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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 | $299,284 | $138,114+116.7% | $125,391+138.7% | $134,545+122.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -16.25% | 750.88%-767.1pp | 572.41%-588.7pp | 418.37%-434.6pp |
| Employer contribution / active EE | $8,858 | $5,246+68.9% | $4,816+83.9% | $4,742+86.8% |
| Participant deferral / active EE | $5,855 | $7,801-24.9% | $7,448-21.4% | $6,401-8.5% |
| Admin fee / account holder | $3,548 | $11,570-69.3% | $10,009-64.5% | $11,431-69.0% |