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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 | $347,229 | $196,972+76.3% | $182,262+90.5% | $198,609+74.8% |
| Participation rate | 80.0% | 85.7%-5.7pp | 84.2%-4.2pp | 82.4%-2.4pp |
| Annual return | 14.79% | 158.27%-143.5pp | 140.60%-125.8pp | 202.70%-187.9pp |
| Employer contribution / active EE | $1,636 | $5,364-69.5% | $5,046-67.6% | $5,055-67.6% |
| Participant deferral / active EE | $7,155 | $8,643-17.2% | $8,276-13.6% | $6,977+2.5% |
| Admin fee / account holder | $2,317 | $18,429-87.4% | $16,712-86.1% | $19,030-87.8% |