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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 | $297,959 | $160,059+86.2% | $140,019+112.8% | $135,379+120.1% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -6.60% | 911.44%-918.0pp | 651.15%-657.8pp | 519.79%-526.4pp |
| Employer contribution / active EE | $18,491 | $6,420+188.0% | $5,605+229.9% | $4,779+286.9% |
| Participant deferral / active EE | $14,833 | $7,641+94.1% | $6,927+114.2% | $5,609+164.5% |
| Admin fee / account holder | $1,402 | $13,328-89.5% | $10,705-86.9% | $10,828-87.0% |