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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 | $516,310 | $138,102+273.9% | $125,381+311.8% | $134,532+283.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -12.76% | 750.73%-763.5pp | 572.31%-585.1pp | 418.27%-431.0pp |
| Employer contribution / active EE | $15,459 | $5,245+194.7% | $4,815+221.0% | $4,741+226.1% |
| Participant deferral / active EE | $7,983 | $7,801+2.3% | $7,448+7.2% | $6,401+24.7% |
| Admin fee / account holder | $2,942 | $11,568-74.6% | $10,007-70.6% | $11,429-74.3% |