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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 | $258,563 | $160,059+61.5% | $140,019+84.7% | $135,380+91.0% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.5%+4.2pp | 82.6%+9.0pp |
| Annual return | -5.15% | 911.48%-916.6pp | 651.17%-656.3pp | 519.81%-525.0pp |
| Employer contribution / active EE | $4,812 | $6,420-25.0% | $5,605-14.2% | $4,779+0.7% |
| Participant deferral / active EE | $9,529 | $7,641+24.7% | $6,927+37.6% | $5,609+69.9% |
| Admin fee / account holder | $57,279 | $13,328+329.8% | $10,705+435.0% | $10,828+429.0% |