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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 | $432,390 | $138,102+213.1% | $125,381+244.9% | $134,532+221.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -12.38% | 750.73%-763.1pp | 572.31%-584.7pp | 418.27%-430.6pp |
| Employer contribution / active EE | $14,756 | $5,245+181.3% | $4,815+206.4% | $4,741+211.2% |
| Participant deferral / active EE | $9,047 | $7,801+16.0% | $7,448+21.5% | $6,401+41.3% |
| Admin fee / account holder | $25,853 | $11,568+123.5% | $10,007+158.4% | $11,429+126.2% |