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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 | $318,837 | $180,462+76.7% | $154,111+106.9% | $135,379+135.5% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.92% | 888.17%-896.1pp | 735.18%-743.1pp | 519.79%-527.7pp |
| Employer contribution / active EE | $1,936 | $6,036-67.9% | $5,298-63.5% | $4,779-59.5% |
| Participant deferral / active EE | $11,462 | $5,806+97.4% | $5,081+125.6% | $5,609+104.3% |
| Admin fee / account holder | $3,076 | $16,145-81.0% | $13,411-77.1% | $10,828-71.6% |