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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 | $354,209 | $209,422+69.1% | $178,503+98.4% | $158,982+122.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 16.31% | 188.81%-172.5pp | 151.12%-134.8pp | 302.99%-286.7pp |
| Employer contribution / active EE | $11,482 | $5,707+101.2% | $5,011+129.1% | $4,763+141.1% |
| Participant deferral / active EE | $12,509 | $5,955+110.1% | $5,202+140.5% | $5,983+109.1% |
| Admin fee / account holder | $1,404 | $17,079-91.8% | $13,987-90.0% | $11,252-87.5% |