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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 | $479,276 | $160,059+199.4% | $140,019+242.3% | $135,380+254.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -3.75% | 911.48%-915.2pp | 651.17%-654.9pp | 519.81%-523.6pp |
| Employer contribution / active EE | $24,332 | $6,420+279.0% | $5,605+334.1% | $4,779+409.2% |
| Participant deferral / active EE | $14,725 | $7,641+92.7% | $6,927+112.6% | $5,609+162.5% |
| Admin fee / account holder | $1,376 | $13,328-89.7% | $10,705-87.2% | $10,828-87.3% |