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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 | $384,948 | $138,076+178.8% | $123,553+211.6% | $135,380+184.3% |
| Participation rate | 87.5% | 84.7%+2.8pp | 82.3%+5.2pp | 82.6%+4.9pp |
| Annual return | -7.60% | 153.70%-161.3pp | 119.21%-126.8pp | 519.81%-527.4pp |
| Employer contribution / active EE | $12,555 | $5,152+143.7% | $4,628+171.3% | $4,779+162.7% |
| Participant deferral / active EE | $11,273 | $6,800+65.8% | $6,426+75.4% | $5,609+101.0% |
| Admin fee / account holder | $6,334 | $10,917-42.0% | $9,284-31.8% | $10,828-41.5% |