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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 | $337,001 | $97,732+244.8% | $83,831+302.0% | $135,380+148.9% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -6.61% | 1287.56%-1294.2pp | 850.99%-857.6pp | 519.81%-526.4pp |
| Employer contribution / active EE | $738 | $4,222-82.5% | $3,631-79.7% | $4,779-84.6% |
| Participant deferral / active EE | $2,953 | $4,683-36.9% | $4,082-27.7% | $5,609-47.4% |
| Admin fee / account holder | $4,889 | $6,675-26.8% | $5,479-10.8% | $10,828-54.8% |