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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 | $278,921 | $138,076+102.0% | $123,553+125.8% | $135,380+106.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -0.15% | 153.70%-153.9pp | 119.21%-119.4pp | 519.81%-520.0pp |
| Employer contribution / active EE | $30,271 | $5,152+487.6% | $4,628+554.1% | $4,779+533.4% |
| Participant deferral / active EE | $3,494 | $6,800-48.6% | $6,426-45.6% | $5,609-37.7% |
| Admin fee / account holder | $132,721 | $10,917+1115.8% | $9,284+1329.5% | $10,828+1125.7% |