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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 | $285,795 | $180,459+58.4% | $154,108+85.5% | $135,380+111.1% |
| Participation rate | 83.3% | 87.4%-4.1pp | 83.0%+0.3pp | 82.6%+0.7pp |
| Annual return | -8.65% | 888.21%-896.9pp | 735.21%-743.9pp | 519.81%-528.5pp |
| Employer contribution / active EE | $9,413 | $6,035+56.0% | $5,298+77.7% | $4,779+97.0% |
| Participant deferral / active EE | $9,273 | $5,806+59.7% | $5,081+82.5% | $5,609+65.3% |
| Admin fee / account holder | $13,231 | $16,145-18.0% | $13,411-1.3% | $10,828+22.2% |