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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 | $257,603 | $160,059+60.9% | $140,019+84.0% | $135,379+90.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -5.33% | 911.44%-916.8pp | 651.15%-656.5pp | 519.79%-525.1pp |
| Employer contribution / active EE | $4,264 | $6,420-33.6% | $5,605-23.9% | $4,779-10.8% |
| Participant deferral / active EE | $5,058 | $7,641-33.8% | $6,927-27.0% | $5,609-9.8% |
| Admin fee / account holder | $10,821 | $13,328-18.8% | $10,705+1.1% | $10,828-0.1% |