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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 | $266,503 | $138,114+93.0% | $125,391+112.5% | $134,545+98.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -5.47% | 750.88%-756.4pp | 572.41%-577.9pp | 418.37%-423.8pp |
| Employer contribution / active EE | $9,927 | $5,246+89.2% | $4,816+106.1% | $4,742+109.4% |
| Participant deferral / active EE | $6,544 | $7,801-16.1% | $7,448-12.1% | $6,401+2.2% |
| Admin fee / account holder | $10,674 | $11,570-7.7% | $10,009+6.6% | $11,431-6.6% |