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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 | $383,043 | $180,462+112.3% | $154,111+148.5% | $135,379+182.9% |
| Participation rate | 94.7% | 87.4%+7.3pp | 83.0%+11.7pp | 82.6%+12.1pp |
| Annual return | -4.42% | 888.17%-892.6pp | 735.18%-739.6pp | 519.79%-524.2pp |
| Employer contribution / active EE | $6,659 | $6,036+10.3% | $5,298+25.7% | $4,779+39.3% |
| Participant deferral / active EE | $4,253 | $5,806-26.8% | $5,081-16.3% | $5,609-24.2% |
| Admin fee / account holder | $4,150 | $16,145-74.3% | $13,411-69.1% | $10,828-61.7% |