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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 | $427,846 | $190,879+124.1% | $160,009+167.4% | $134,532+218.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -13.72% | 552.63%-566.3pp | 408.85%-422.6pp | 418.27%-432.0pp |
| Employer contribution / active EE | $13,258 | $4,995+165.4% | $4,225+213.8% | $4,741+179.6% |
| Participant deferral / active EE | $11,209 | $6,924+61.9% | $6,183+81.3% | $6,401+75.1% |
| Admin fee / account holder | $3,733 | $10,495-64.4% | $8,715-57.2% | $11,429-67.3% |