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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 | $546,915 | $168,635+224.3% | $147,617+270.5% | $125,389+336.2% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -0.24% | 77.65%-77.9pp | 61.98%-62.2pp | 282.24%-282.5pp |
| Employer contribution / active EE | $4,783 | $6,252-23.5% | $5,564-14.0% | $4,866-1.7% |
| Participant deferral / active EE | $14,754 | $5,507+167.9% | $4,895+201.4% | $5,352+175.7% |
| Admin fee / account holder | $3,138 | $13,580-76.9% | $11,612-73.0% | $9,541-67.1% |