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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $389,969 | $176,105+121.4% | $159,474+144.5% | $167,536+132.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 20.63% | 331.91%-311.3pp | 263.68%-243.1pp | 478.82%-458.2pp |
| Employer contribution / active EE | $1,935 | $5,299-63.5% | $4,831-59.9% | $4,839-60.0% |
| Participant deferral / active EE | $9,328 | $7,751+20.3% | $7,353+26.9% | $6,342+47.1% |
| Admin fee / account holder | $2,115 | $12,559-83.2% | $10,802-80.4% | $12,315-82.8% |