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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 | $263,478 | $138,114+90.8% | $125,391+110.1% | $134,545+95.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -18.62% | 750.88%-769.5pp | 572.41%-591.0pp | 418.37%-437.0pp |
| Employer contribution / active EE | $17,019 | $5,246+224.4% | $4,816+253.4% | $4,742+258.9% |
| Participant deferral / active EE | $12,900 | $7,801+65.4% | $7,448+73.2% | $6,401+101.5% |
| Admin fee / account holder | $8,622 | $11,570-25.5% | $10,009-13.9% | $11,431-24.6% |