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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 | $256,794 | $165,351+55.3% | $149,710+71.5% | $158,931+61.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.93% | 348.19%-329.3pp | 276.63%-257.7pp | 302.86%-283.9pp |
| Employer contribution / active EE | $8,551 | $5,103+67.6% | $4,645+84.1% | $4,761+79.6% |
| Participant deferral / active EE | $13,000 | $7,181+81.0% | $6,842+90.0% | $5,982+117.3% |
| Admin fee / account holder | $3,074 | $10,807-71.6% | $9,309-67.0% | $11,247-72.7% |