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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 | $257,218 | $190,879+34.8% | $160,009+60.8% | $134,532+91.2% |
| Participation rate | 84.6% | 82.0%+2.7pp | 78.0%+6.6pp | 81.2%+3.4pp |
| Annual return | -15.90% | 552.63%-568.5pp | 408.85%-424.7pp | 418.27%-434.2pp |
| Employer contribution / active EE | $9,615 | $4,995+92.5% | $4,225+127.6% | $4,741+102.8% |
| Participant deferral / active EE | $10,931 | $6,924+57.9% | $6,183+76.8% | $6,401+70.8% |
| Admin fee / account holder | $7,984 | $10,495-23.9% | $8,715-8.4% | $11,429-30.1% |