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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 | $308,351 | $75,832+306.6% | $147,617+108.9% | $59,633+417.1% |
| Participation rate | 98.0% | 71.6%+26.4pp | 84.6%+13.4pp | 68.7%+29.3pp |
| Annual return | -0.24% | 0.37%-0.6pp | 61.98%-62.2pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $14,513 | $3,485+316.5% | $5,564+160.8% | $2,203+558.9% |
| Participant deferral / active EE | $8,456 | $3,131+170.1% | $4,895+72.7% | $3,192+164.9% |
| Admin fee / account holder | $35,344 | $5,986+490.5% | $11,612+204.4% | $4,297+722.5% |