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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 | $410,699 | $84,551+385.7% | $61,452+568.3% | $134,532+205.3% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -20.21% | 585.39%-605.6pp | 338.96%-359.2pp | 418.27%-438.5pp |
| Employer contribution / active EE | $17,442 | $1,545+1029.1% | $1,160+1404.2% | $4,741+267.9% |
| Participant deferral / active EE | $14,778 | $2,818+424.3% | $2,125+595.6% | $6,401+130.9% |
| Admin fee / account holder | $4,209 | $2,587+62.7% | $2,131+97.5% | $11,429-63.2% |