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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 | $301,030 | $90,607+232.2% | $79,467+278.8% | $135,380+122.4% |
| Participation rate | 93.3% | 76.0%+17.3pp | 73.3%+20.0pp | 82.6%+10.7pp |
| Annual return | -7.16% | 977.74%-984.9pp | 718.30%-725.5pp | 519.81%-527.0pp |
| Employer contribution / active EE | $3,819 | $3,068+24.5% | $2,800+36.4% | $4,779-20.1% |
| Participant deferral / active EE | $6,738 | $4,050+66.3% | $3,704+81.9% | $5,609+20.1% |
| Admin fee / account holder | $37,811 | $5,895+541.4% | $5,104+640.8% | $10,828+249.2% |