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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 | $435,350 | $88,603+391.3% | $69,890+522.9% | $134,545+223.6% |
| Participation rate | 100.0% | 74.9%+25.1pp | 70.5%+29.5pp | 81.2%+18.8pp |
| Annual return | -17.53% | 442.93%-460.5pp | 190.84%-208.4pp | 418.37%-435.9pp |
| Employer contribution / active EE | $36,447 | $3,236+1026.4% | $2,560+1323.6% | $4,742+668.7% |
| Participant deferral / active EE | $12,802 | $4,771+168.3% | $3,848+232.7% | $6,401+100.0% |
| Admin fee / account holder | $2,262 | $10,443-78.3% | $6,267-63.9% | $11,431-80.2% |