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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 | $614,034 | $138,114+344.6% | $125,391+389.7% | $134,545+356.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -11.40% | 750.88%-762.3pp | 572.41%-583.8pp | 418.37%-429.8pp |
| Employer contribution / active EE | $13,000 | $5,246+147.8% | $4,816+170.0% | $4,742+174.2% |
| Participant deferral / active EE | $27,000 | $7,801+246.1% | $7,448+262.5% | $6,401+321.8% |
| Admin fee / account holder | $37,402 | $11,570+223.3% | $10,009+273.7% | $11,431+227.2% |