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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 | $453,084 | $180,749+150.7% | $160,784+181.8% | $137,256+230.1% |
| Participation rate | 75.0% | 80.0%-5.0pp | 77.0%-2.0pp | 80.0%-5.0pp |
| Annual return | 12.88% | 2234.46%-2221.6pp | 1803.92%-1791.0pp | 220.34%-207.5pp |
| Employer contribution / active EE | $4,709 | $4,155+13.3% | $3,733+26.2% | $4,156+13.3% |
| Participant deferral / active EE | $3,551 | $6,844-48.1% | $6,293-43.6% | $6,407-44.6% |
| Admin fee / account holder | $10,069 | $10,397-3.2% | $9,717+3.6% | $12,270-17.9% |