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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 | $429,475 | $90,607+374.0% | $79,467+440.4% | $135,380+217.2% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -4.03% | 977.74%-981.8pp | 718.30%-722.3pp | 519.81%-523.8pp |
| Employer contribution / active EE | $16,451 | $3,068+436.3% | $2,800+487.5% | $4,779+244.3% |
| Participant deferral / active EE | $17,939 | $4,050+342.9% | $3,704+384.3% | $5,609+219.8% |
| Admin fee / account holder | $24,044 | $5,895+307.9% | $5,104+371.1% | $10,828+122.0% |