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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 | $289,154 | $138,076+109.4% | $123,553+134.0% | $135,380+113.6% |
| Participation rate | 75.0% | 84.7%-9.7pp | 82.3%-7.3pp | 82.6%-7.6pp |
| Annual return | -8.78% | 153.70%-162.5pp | 119.21%-128.0pp | 519.81%-528.6pp |
| Employer contribution / active EE | $1,207 | $5,152-76.6% | $4,628-73.9% | $4,779-74.8% |
| Participant deferral / active EE | $3,254 | $6,800-52.1% | $6,426-49.4% | $5,609-42.0% |
| Admin fee / account holder | $633 | $10,917-94.2% | $9,284-93.2% | $10,828-94.2% |