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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 | $297,735 | $168,636+76.6% | $147,618+101.7% | $125,388+137.4% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -2.95% | 77.65%-80.6pp | 61.98%-64.9pp | 282.24%-285.2pp |
| Employer contribution / active EE | $7,434 | $6,252+18.9% | $5,565+33.6% | $4,866+52.8% |
| Participant deferral / active EE | $8,672 | $5,507+57.5% | $4,895+77.1% | $5,352+62.0% |
| Admin fee / account holder | $1,112 | $13,580-91.8% | $11,612-90.4% | $9,541-88.3% |