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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 | $931,478 | $160,059+482.0% | $140,019+565.3% | $135,380+588.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -3.17% | 911.48%-914.6pp | 651.17%-654.3pp | 519.81%-523.0pp |
| Employer contribution / active EE | $3,220 | $6,420-49.8% | $5,605-42.6% | $4,779-32.6% |
| Participant deferral / active EE | $16,882 | $7,641+121.0% | $6,927+143.7% | $5,609+201.0% |
| Admin fee / account holder | $12,069 | $13,328-9.4% | $10,705+12.7% | $10,828+11.5% |