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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 | $841,193 | $138,114+509.1% | $125,391+570.9% | $134,545+525.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -13.95% | 750.88%-764.8pp | 572.41%-586.4pp | 418.37%-432.3pp |
| Employer contribution / active EE | $23,861 | $5,246+354.8% | $4,816+395.5% | $4,742+403.2% |
| Participant deferral / active EE | $12,440 | $7,801+59.5% | $7,448+67.0% | $6,401+94.3% |
| Admin fee / account holder | $39,936 | $11,570+245.2% | $10,009+299.0% | $11,431+249.4% |