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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 | $369,680 | $180,459+104.9% | $154,108+139.9% | $135,380+173.1% |
| Participation rate | 88.9% | 87.4%+1.5pp | 83.0%+5.9pp | 82.6%+6.2pp |
| Annual return | -5.09% | 888.21%-893.3pp | 735.21%-740.3pp | 519.81%-524.9pp |
| Employer contribution / active EE | $11,873 | $6,035+96.7% | $5,298+124.1% | $4,779+148.4% |
| Participant deferral / active EE | $9,128 | $5,806+57.2% | $5,081+79.7% | $5,609+62.7% |
| Admin fee / account holder | $13,701 | $16,145-15.1% | $13,411+2.2% | $10,828+26.5% |