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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 | $354,875 | $190,879+85.9% | $160,009+121.8% | $134,532+163.8% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.0%-3.0pp | 81.2%-6.2pp |
| Annual return | -6.50% | 552.63%-559.1pp | 408.85%-415.3pp | 418.27%-424.8pp |
| Employer contribution / active EE | $6,844 | $4,995+37.0% | $4,225+62.0% | $4,741+44.4% |
| Participant deferral / active EE | $13,500 | $6,924+95.0% | $6,183+118.3% | $6,401+110.9% |
| Admin fee / account holder | $1,436 | $10,495-86.3% | $8,715-83.5% | $11,429-87.4% |