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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 | $343,217 | $138,114+148.5% | $125,391+173.7% | $134,545+155.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -18.35% | 750.88%-769.2pp | 572.41%-590.8pp | 418.37%-436.7pp |
| Employer contribution / active EE | $2,895 | $5,246-44.8% | $4,816-39.9% | $4,742-39.0% |
| Participant deferral / active EE | $11,882 | $7,801+52.3% | $7,448+59.5% | $6,401+85.6% |
| Admin fee / account holder | $450 | $11,570-96.1% | $10,009-95.5% | $11,431-96.1% |