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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 | $369,876 | $227,399+62.7% | $189,758+94.9% | $198,609+86.2% |
| Participation rate | 76.9% | 84.0%-7.1pp | 79.8%-2.9pp | 82.4%-5.5pp |
| Annual return | 8.86% | 61.03%-52.2pp | 52.62%-43.8pp | 202.70%-193.8pp |
| Employer contribution / active EE | $12,193 | $5,526+120.6% | $4,767+155.8% | $5,055+141.2% |
| Participant deferral / active EE | $6,229 | $6,837-8.9% | $5,856+6.4% | $6,977-10.7% |
| Admin fee / account holder | $1,247 | $25,162-95.0% | $20,388-93.9% | $19,030-93.4% |