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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 | $468,517 | $138,114+239.2% | $125,391+273.6% | $134,545+248.2% |
| Participation rate | 90.0% | 84.5%+5.5pp | 82.4%+7.6pp | 81.2%+8.8pp |
| Annual return | -9.62% | 750.88%-760.5pp | 572.41%-582.0pp | 418.37%-428.0pp |
| Employer contribution / active EE | $2,768 | $5,246-47.2% | $4,816-42.5% | $4,742-41.6% |
| Participant deferral / active EE | $12,625 | $7,801+61.8% | $7,448+69.5% | $6,401+97.2% |
| Admin fee / account holder | $2,126 | $11,570-81.6% | $10,009-78.8% | $11,431-81.4% |