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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 | $299,726 | $160,059+87.3% | $140,019+114.1% | $135,380+121.4% |
| Participation rate | 93.3% | 88.5%+4.8pp | 87.5%+5.8pp | 82.6%+10.7pp |
| Annual return | -6.66% | 911.48%-918.1pp | 651.17%-657.8pp | 519.81%-526.5pp |
| Employer contribution / active EE | $11,408 | $6,420+77.7% | $5,605+103.5% | $4,779+138.7% |
| Participant deferral / active EE | $9,949 | $7,641+30.2% | $6,927+43.6% | $5,609+77.4% |
| Admin fee / account holder | $2,330 | $13,328-82.5% | $10,705-78.2% | $10,828-78.5% |