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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 | $289,729 | $93,117+211.1% | $77,096+275.8% | $134,532+115.4% |
| Participation rate | 83.3% | 74.5%+8.8pp | 67.9%+15.4pp | 81.2%+2.1pp |
| Annual return | -16.89% | 62.67%-79.6pp | 42.35%-59.2pp | 418.27%-435.2pp |
| Employer contribution / active EE | $6,170 | $3,420+80.4% | $2,814+119.2% | $4,741+30.1% |
| Participant deferral / active EE | $9,672 | $5,241+84.5% | $4,429+118.4% | $6,401+51.1% |
| Admin fee / account holder | $5,050 | $6,948-27.3% | $5,428-7.0% | $11,429-55.8% |