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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 | $342,529 | $138,072+148.1% | $123,549+177.2% | $135,382+153.0% |
| Participation rate | 90.0% | 84.7%+5.3pp | 82.3%+7.7pp | 82.6%+7.4pp |
| Annual return | -5.58% | 153.69%-159.3pp | 119.20%-124.8pp | 519.77%-525.3pp |
| Employer contribution / active EE | $2,826 | $5,152-45.1% | $4,628-38.9% | $4,779-40.9% |
| Participant deferral / active EE | $11,955 | $6,799+75.8% | $6,426+86.0% | $5,609+113.1% |
| Admin fee / account holder | $7,905 | $10,917-27.6% | $9,284-14.9% | $10,829-27.0% |