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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 | $346,312 | $99,668+247.5% | $86,451+300.6% | $134,545+157.4% |
| Participation rate | 100.0% | 82.1%+17.9pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -7.15% | 6789.61%-6796.8pp | 4398.51%-4405.7pp | 418.37%-425.5pp |
| Employer contribution / active EE | $4,632 | $4,403+5.2% | $3,770+22.9% | $4,742-2.3% |
| Participant deferral / active EE | $11,737 | $7,249+61.9% | $6,953+68.8% | $6,401+83.4% |
| Admin fee / account holder | $755 | $8,377-91.0% | $6,734-88.8% | $11,431-93.4% |