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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 | $347,755 | $190,916+82.2% | $160,037+117.3% | $134,545+158.5% |
| Participation rate | 77.8% | 82.0%-4.2pp | 78.0%-0.2pp | 81.2%-3.5pp |
| Annual return | -18.77% | 552.79%-571.6pp | 408.95%-427.7pp | 418.37%-437.1pp |
| Employer contribution / active EE | $5,394 | $4,996+8.0% | $4,226+27.7% | $4,742+13.8% |
| Participant deferral / active EE | $13,091 | $6,925+89.0% | $6,184+111.7% | $6,401+104.5% |
| Admin fee / account holder | $12,095 | $10,497+15.2% | $8,716+38.8% | $11,431+5.8% |