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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 | $251,427 | $171,867+46.3% | $149,721+67.9% | $147,586+70.4% |
| Participation rate | 75.0% | 88.2%-13.2pp | 87.1%-12.1pp | 82.8%-7.8pp |
| Annual return | 22.70% | 2113.36%-2090.7pp | 1501.67%-1479.0pp | 578.59%-555.9pp |
| Employer contribution / active EE | $10,158 | $6,275+61.9% | $5,444+86.6% | $4,876+108.3% |
| Participant deferral / active EE | $8,360 | $7,270+15.0% | $6,568+27.3% | $5,439+53.7% |
| Admin fee / account holder | $6,570 | $13,799-52.4% | $11,282-41.8% | $10,886-39.6% |