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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 | $339,758 | $92,743+266.3% | $82,744+310.6% | $134,532+152.5% |
| Participation rate | 92.3% | 75.2%+17.1pp | 72.6%+19.7pp | 81.2%+11.1pp |
| Annual return | -18.01% | 946.63%-964.6pp | 702.22%-720.2pp | 418.27%-436.3pp |
| Employer contribution / active EE | $11,681 | $3,273+256.9% | $3,008+288.3% | $4,741+146.4% |
| Participant deferral / active EE | $12,491 | $4,802+160.2% | $4,395+184.2% | $6,401+95.2% |
| Admin fee / account holder | $30,216 | $5,977+405.5% | $5,325+467.5% | $11,429+164.4% |