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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 | $380,507 | $138,076+175.6% | $123,553+208.0% | $135,380+181.1% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -8.54% | 153.70%-162.2pp | 119.21%-127.7pp | 519.81%-528.3pp |
| Employer contribution / active EE | $2,561 | $5,152-50.3% | $4,628-44.7% | $4,779-46.4% |
| Participant deferral / active EE | $16,731 | $6,800+146.1% | $6,426+160.4% | $5,609+198.3% |
| Admin fee / account holder | $593 | $10,917-94.6% | $9,284-93.6% | $10,828-94.5% |