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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 | $358,339 | $138,076+159.5% | $123,553+190.0% | $135,380+164.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.34% | 153.70%-160.0pp | 119.21%-125.5pp | 519.81%-526.1pp |
| Employer contribution / active EE | $50,773 | $5,152+885.5% | $4,628+997.1% | $4,779+962.4% |
| Participant deferral / active EE | $30,525 | $6,800+348.9% | $6,426+375.0% | $5,609+444.2% |
| Admin fee / account holder | $17,560 | $10,917+60.8% | $9,284+89.1% | $10,828+62.2% |