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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 | $277,089 | $138,078+100.7% | $125,363+121.0% | $134,509+106.0% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -15.88% | 750.49%-766.4pp | 572.15%-588.0pp | 418.13%-434.0pp |
| Employer contribution / active EE | $35,613 | $5,245+579.0% | $4,815+639.7% | $4,741+651.2% |
| Participant deferral / active EE | $25,375 | $7,800+225.3% | $7,447+240.7% | $6,400+296.5% |
| Admin fee / account holder | $1,700 | $11,566-85.3% | $10,005-83.0% | $11,427-85.1% |