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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 | $441,259 | $138,102+219.5% | $125,381+251.9% | $134,532+228.0% |
| Participation rate | 75.0% | 84.5%-9.5pp | 82.4%-7.4pp | 81.2%-6.2pp |
| Annual return | -12.79% | 750.73%-763.5pp | 572.31%-585.1pp | 418.27%-431.1pp |
| Employer contribution / active EE | $5,711 | $5,245+8.9% | $4,815+18.6% | $4,741+20.5% |
| Participant deferral / active EE | $15,313 | $7,801+96.3% | $7,448+105.6% | $6,401+139.2% |
| Admin fee / account holder | $15,132 | $11,568+30.8% | $10,007+51.2% | $11,429+32.4% |