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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 | $726,457 | $138,114+426.0% | $125,391+479.4% | $134,545+439.9% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -15.64% | 750.88%-766.5pp | 572.41%-588.1pp | 418.37%-434.0pp |
| Employer contribution / active EE | $16,106 | $5,246+207.0% | $4,816+234.4% | $4,742+239.7% |
| Participant deferral / active EE | $12,279 | $7,801+57.4% | $7,448+64.9% | $6,401+91.8% |
| Admin fee / account holder | $20,010 | $11,570+72.9% | $10,009+99.9% | $11,431+75.1% |