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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 | $384,241 | $92,766+314.2% | $82,763+364.3% | $134,545+185.6% |
| Participation rate | 71.4% | 75.2%-3.8pp | 72.6%-1.1pp | 81.2%-9.8pp |
| Annual return | -6.09% | 946.97%-953.1pp | 702.45%-708.5pp | 418.37%-424.5pp |
| Employer contribution / active EE | $10,000 | $3,273+205.5% | $3,008+232.4% | $4,742+110.9% |
| Participant deferral / active EE | $8,957 | $4,802+86.5% | $4,395+103.8% | $6,401+39.9% |
| Admin fee / account holder | $2,114 | $5,978-64.6% | $5,325-60.3% | $11,431-81.5% |