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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 | $578,206 | $138,102+318.7% | $125,381+361.2% | $134,532+329.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -17.14% | 750.73%-767.9pp | 572.31%-589.4pp | 418.27%-435.4pp |
| Employer contribution / active EE | $7,389 | $5,245+40.9% | $4,815+53.5% | $4,741+55.9% |
| Participant deferral / active EE | $3,942 | $7,801-49.5% | $7,448-47.1% | $6,401-38.4% |
| Admin fee / account holder | $2,505 | $11,568-78.3% | $10,007-75.0% | $11,429-78.1% |