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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 | $406,909 | $90,617+349.0% | $79,476+412.0% | $135,382+200.6% |
| Participation rate | 100.0% | 76.1%+23.9pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -4.89% | 977.57%-982.5pp | 718.21%-723.1pp | 519.77%-524.7pp |
| Employer contribution / active EE | $21,605 | $3,068+604.2% | $2,800+671.5% | $4,779+352.1% |
| Participant deferral / active EE | $25,294 | $4,050+524.5% | $3,704+582.9% | $5,609+351.0% |
| Admin fee / account holder | $21,154 | $5,907+258.1% | $5,113+313.7% | $10,829+95.4% |