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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 | $624,385 | $138,102+352.1% | $125,381+398.0% | $134,532+364.1% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | -14.78% | 750.73%-765.5pp | 572.31%-587.1pp | 418.27%-433.0pp |
| Employer contribution / active EE | $19,463 | $5,245+271.0% | $4,815+304.2% | $4,741+310.5% |
| Participant deferral / active EE | $16,652 | $7,801+113.5% | $7,448+123.6% | $6,401+160.1% |
| Admin fee / account holder | $7,256 | $11,568-37.3% | $10,007-27.5% | $11,429-36.5% |