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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 | $318,518 | $138,102+130.6% | $125,381+154.0% | $134,532+136.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -14.33% | 750.73%-765.1pp | 572.31%-586.6pp | 418.27%-432.6pp |
| Employer contribution / active EE | $6,074 | $5,245+15.8% | $4,815+26.1% | $4,741+28.1% |
| Participant deferral / active EE | $13,411 | $7,801+71.9% | $7,448+80.1% | $6,401+109.5% |
| Admin fee / account holder | $13,453 | $11,568+16.3% | $10,007+34.4% | $11,429+17.7% |