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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 | $354,240 | $175,257+102.1% | $149,717+136.6% | $139,456+154.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 99.49% | 166.70%-67.2pp | 134.41%-34.9pp | 373.45%-274.0pp |
| Employer contribution / active EE | $1,616 | $5,477-70.5% | $4,820-66.5% | $4,753-66.0% |
| Participant deferral / active EE | $5,290 | $6,521-18.9% | $5,682-6.9% | $6,711-21.2% |
| Admin fee / account holder | $10,556 | $16,156-34.7% | $13,213-20.1% | $11,407-7.5% |