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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 | $287,166 | $217,427+32.1% | $185,837+54.5% | $167,518+71.4% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.83% | 148.39%-131.6pp | 122.08%-105.2pp | 478.71%-461.9pp |
| Employer contribution / active EE | $6,371 | $5,874+8.5% | $5,168+23.3% | $4,838+31.7% |
| Participant deferral / active EE | $5,105 | $6,357-19.7% | $5,568-8.3% | $6,342-19.5% |
| Admin fee / account holder | $6,662 | $19,816-66.4% | $16,241-59.0% | $12,312-45.9% |