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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 | $354,510 | $138,078+156.7% | $125,363+182.8% | $134,509+163.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -7.40% | 750.49%-757.9pp | 572.15%-579.5pp | 418.13%-425.5pp |
| Employer contribution / active EE | $21,524 | $5,245+310.4% | $4,815+347.0% | $4,741+354.0% |
| Participant deferral / active EE | $11,060 | $7,800+41.8% | $7,447+48.5% | $6,400+72.8% |
| Admin fee / account holder | $671 | $11,566-94.2% | $10,005-93.3% | $11,427-94.1% |