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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 | $386,113 | $138,076+179.6% | $123,553+212.5% | $135,380+185.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -7.16% | 153.70%-160.9pp | 119.21%-126.4pp | 519.81%-527.0pp |
| Employer contribution / active EE | $6,509 | $5,152+26.4% | $4,628+40.7% | $4,779+36.2% |
| Participant deferral / active EE | $15,011 | $6,800+120.8% | $6,426+133.6% | $5,609+167.6% |
| Admin fee / account holder | $4,694 | $10,917-57.0% | $9,284-49.4% | $10,828-56.6% |