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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 | $257,620 | $138,102+86.5% | $125,381+105.5% | $134,532+91.5% |
| Participation rate | 77.8% | 84.5%-6.7pp | 82.4%-4.6pp | 81.2%-3.5pp |
| Annual return | -16.80% | 750.73%-767.5pp | 572.31%-589.1pp | 418.27%-435.1pp |
| Employer contribution / active EE | $4,227 | $5,245-19.4% | $4,815-12.2% | $4,741-10.8% |
| Participant deferral / active EE | $10,550 | $7,801+35.3% | $7,448+41.7% | $6,401+64.8% |
| Admin fee / account holder | $3,529 | $11,568-69.5% | $10,007-64.7% | $11,429-69.1% |