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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 | $322,908 | $138,114+133.8% | $125,391+157.5% | $134,545+140.0% |
| Participation rate | 90.9% | 84.5%+6.4pp | 82.4%+8.5pp | 81.2%+9.7pp |
| Annual return | -17.47% | 750.88%-768.4pp | 572.41%-589.9pp | 418.37%-435.8pp |
| Employer contribution / active EE | $4,496 | $5,246-14.3% | $4,816-6.6% | $4,742-5.2% |
| Participant deferral / active EE | $13,782 | $7,801+76.7% | $7,448+85.0% | $6,401+115.3% |
| Admin fee / account holder | $1,763 | $11,570-84.8% | $10,009-82.4% | $11,431-84.6% |