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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 | $405,447 | $217,427+86.5% | $185,837+118.2% | $167,518+142.0% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.25% | 148.39%-135.1pp | 122.08%-108.8pp | 478.71%-465.5pp |
| Employer contribution / active EE | $4,165 | $5,874-29.1% | $5,168-19.4% | $4,838-13.9% |
| Participant deferral / active EE | $8,726 | $6,357+37.3% | $5,568+56.7% | $6,342+37.6% |
| Admin fee / account holder | $8,058 | $19,816-59.3% | $16,241-50.4% | $12,312-34.6% |