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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 | $454,827 | $138,075+229.4% | $123,552+268.1% | $135,379+236.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.73% | 153.70%-158.4pp | 119.20%-123.9pp | 519.79%-524.5pp |
| Employer contribution / active EE | $9,610 | $5,152+86.5% | $4,628+107.6% | $4,779+101.1% |
| Participant deferral / active EE | $8,833 | $6,800+29.9% | $6,426+37.5% | $5,609+57.5% |
| Admin fee / account holder | $66,638 | $10,917+510.4% | $9,285+617.7% | $10,828+515.4% |