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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 | $408,252 | $176,077+131.9% | $159,455+156.0% | $167,518+143.7% |
| Participation rate | 83.3% | 84.9%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 18.94% | 331.83%-312.9pp | 263.63%-244.7pp | 478.71%-459.8pp |
| Employer contribution / active EE | $6,032 | $5,298+13.9% | $4,830+24.9% | $4,838+24.7% |
| Participant deferral / active EE | $28,133 | $7,751+263.0% | $7,353+282.6% | $6,342+343.6% |
| Admin fee / account holder | $1,721 | $12,556-86.3% | $10,800-84.1% | $12,312-86.0% |