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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 | $272,279 | $99,921+172.5% | $85,009+220.3% | $145,959+86.5% |
| Participation rate | 85.7% | 74.1%+11.6pp | 67.5%+18.2pp | 80.3%+5.4pp |
| Annual return | 49.50% | 83.89%-34.4pp | 66.47%-17.0pp | 561.95%-512.5pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $2,728-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $16,896 | $5,293+219.2% | $4,522+273.7% | $6,689+152.6% |
| Admin fee / account holder | $2,774 | $7,252-61.7% | $6,153-54.9% | $13,398-79.3% |