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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 | $437,850 | $160,059+173.6% | $140,019+212.7% | $135,380+223.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -6.09% | 911.48%-917.6pp | 651.17%-657.3pp | 519.81%-525.9pp |
| Employer contribution / active EE | $21,099 | $6,420+228.7% | $5,605+276.4% | $4,779+341.5% |
| Participant deferral / active EE | $19,212 | $7,641+151.4% | $6,927+177.4% | $5,609+242.5% |
| Admin fee / account holder | $705 | $13,328-94.7% | $10,705-93.4% | $10,828-93.5% |