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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 | $251,492 | $138,075+82.1% | $123,552+103.6% | $135,379+85.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -7.60% | 153.70%-161.3pp | 119.20%-126.8pp | 519.79%-527.4pp |
| Employer contribution / active EE | $12,215 | $5,152+137.1% | $4,628+163.9% | $4,779+155.6% |
| Participant deferral / active EE | $12,464 | $6,800+83.3% | $6,426+94.0% | $5,609+122.2% |
| Admin fee / account holder | $2,131 | $10,917-80.5% | $9,285-77.0% | $10,828-80.3% |