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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 | $285,864 | $160,070+78.6% | $147,117+94.3% | $145,897+95.9% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 15.46% | 98.69%-83.2pp | 420.54%-405.1pp | 552.29%-536.8pp |
| Employer contribution / active EE | $2,893 | $5,285-45.3% | $4,932-41.3% | $4,663-38.0% |
| Participant deferral / active EE | $4,775 | $8,419-43.3% | $8,065-40.8% | $6,689-28.6% |
| Admin fee / account holder | $2,182 | $15,035-85.5% | $12,993-83.2% | $13,390-83.7% |