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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 | $303,228 | $90,607+234.7% | $79,467+281.6% | $135,380+124.0% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -3.52% | 977.74%-981.3pp | 718.30%-721.8pp | 519.81%-523.3pp |
| Employer contribution / active EE | $14,029 | $3,068+357.3% | $2,800+401.0% | $4,779+193.6% |
| Participant deferral / active EE | $21,321 | $4,050+426.4% | $3,704+475.6% | $5,609+280.1% |
| Admin fee / account holder | $19,749 | $5,895+235.0% | $5,104+286.9% | $10,828+82.4% |