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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 | $272,191 | $190,916+42.6% | $160,037+70.1% | $134,545+102.3% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.0%+2.0pp | 81.2%-1.2pp |
| Annual return | -0.68% | 552.79%-553.5pp | 408.95%-409.6pp | 418.37%-419.0pp |
| Employer contribution / active EE | $21,317 | $4,996+326.7% | $4,226+404.5% | $4,742+349.6% |
| Participant deferral / active EE | $3,363 | $6,925-51.4% | $6,184-45.6% | $6,401-47.5% |
| Admin fee / account holder | $15,737 | $10,497+49.9% | $8,716+80.5% | $11,431+37.7% |