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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 | $289,364 | $88,603+226.6% | $69,890+314.0% | $134,545+115.1% |
| Participation rate | 100.0% | 74.9%+25.1pp | 70.5%+29.5pp | 81.2%+18.8pp |
| Annual return | -12.86% | 442.93%-455.8pp | 190.84%-203.7pp | 418.37%-431.2pp |
| Employer contribution / active EE | $16,104 | $3,236+397.7% | $2,560+529.0% | $4,742+239.6% |
| Participant deferral / active EE | $11,499 | $4,771+141.0% | $3,848+198.8% | $6,401+79.6% |
| Admin fee / account holder | $10,966 | $10,443+5.0% | $6,267+75.0% | $11,431-4.1% |