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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 | $100,203+171.7% | $85,240+219.4% | $145,897+86.6% |
| Participation rate | 85.7% | 74.1%+11.6pp | 67.5%+18.2pp | 80.3%+5.4pp |
| Annual return | 49.50% | 84.28%-34.8pp | 66.75%-17.3pp | 552.29%-502.8pp |
| Employer contribution / active EE | $0 | $3,242-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $16,896 | $5,299+218.9% | $4,527+273.2% | $6,689+152.6% |
| Admin fee / account holder | $2,774 | $7,265-61.8% | $6,165-55.0% | $13,390-79.3% |