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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 | $675,596 | $138,075+389.3% | $123,552+446.8% | $135,379+399.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.57% | 153.70%-160.3pp | 119.20%-125.8pp | 519.79%-526.4pp |
| Employer contribution / active EE | $9,858 | $5,152+91.4% | $4,628+113.0% | $4,779+106.3% |
| Participant deferral / active EE | $9,800 | $6,800+44.1% | $6,426+52.5% | $5,609+74.7% |
| Admin fee / account holder | $636 | $10,917-94.2% | $9,285-93.2% | $10,828-94.1% |