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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 | $275,529 | $138,114+99.5% | $125,391+119.7% | $134,545+104.8% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+0.9pp | 81.2%+2.1pp |
| Annual return | -20.60% | 750.88%-771.5pp | 572.41%-593.0pp | 418.37%-439.0pp |
| Employer contribution / active EE | $14,903 | $5,246+184.1% | $4,816+209.5% | $4,742+214.3% |
| Participant deferral / active EE | $3,697 | $7,801-52.6% | $7,448-50.4% | $6,401-42.3% |
| Admin fee / account holder | $2,002 | $11,570-82.7% | $10,009-80.0% | $11,431-82.5% |