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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 | $359,478 | $138,078+160.3% | $125,363+186.7% | $134,509+167.3% |
| Participation rate | 88.9% | 84.5%+4.4pp | 82.4%+6.5pp | 81.2%+7.7pp |
| Annual return | -16.60% | 750.49%-767.1pp | 572.15%-588.7pp | 418.13%-434.7pp |
| Employer contribution / active EE | $1,333 | $5,245-74.6% | $4,815-72.3% | $4,741-71.9% |
| Participant deferral / active EE | $5,642 | $7,800-27.7% | $7,447-24.2% | $6,400-11.8% |
| Admin fee / account holder | $21,395 | $11,566+85.0% | $10,005+113.8% | $11,427+87.2% |