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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 | $282,564 | $138,075+104.6% | $123,552+128.7% | $135,379+108.7% |
| Participation rate | 71.4% | 84.7%-13.3pp | 82.3%-10.9pp | 82.6%-11.2pp |
| Annual return | -5.52% | 153.70%-159.2pp | 119.20%-124.7pp | 519.79%-525.3pp |
| Employer contribution / active EE | $6,316 | $5,152+22.6% | $4,628+36.5% | $4,779+32.2% |
| Participant deferral / active EE | $11,190 | $6,800+64.6% | $6,426+74.1% | $5,609+99.5% |
| Admin fee / account holder | $21,890 | $10,917+100.5% | $9,285+135.8% | $10,828+102.2% |