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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 | $348,251 | $175,257+98.7% | $149,717+132.6% | $139,456+149.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.80% | 166.70%-154.9pp | 134.41%-122.6pp | 373.45%-361.7pp |
| Employer contribution / active EE | $1,529 | $5,477-72.1% | $4,820-68.3% | $4,753-67.8% |
| Participant deferral / active EE | $4,907 | $6,521-24.8% | $5,682-13.6% | $6,711-26.9% |
| Admin fee / account holder | $3,776 | $16,156-76.6% | $13,213-71.4% | $11,407-66.9% |