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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 | $416,493 | $176,105+136.5% | $159,474+161.2% | $167,536+148.6% |
| Participation rate | 75.0% | 85.0%-10.0pp | 82.8%-7.8pp | 82.1%-7.1pp |
| Annual return | 14.75% | 331.91%-317.2pp | 263.68%-248.9pp | 478.82%-464.1pp |
| Employer contribution / active EE | $7,034 | $5,299+32.7% | $4,831+45.6% | $4,839+45.3% |
| Participant deferral / active EE | $9,688 | $7,751+25.0% | $7,353+31.7% | $6,342+52.7% |
| Admin fee / account holder | $11,948 | $12,559-4.9% | $10,802+10.6% | $12,315-3.0% |