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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 | $256,721 | $160,059+60.4% | $140,019+83.3% | $135,380+89.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -5.27% | 911.48%-916.7pp | 651.17%-656.4pp | 519.81%-525.1pp |
| Employer contribution / active EE | $2,408 | $6,420-62.5% | $5,605-57.0% | $4,779-49.6% |
| Participant deferral / active EE | $4,719 | $7,641-38.2% | $6,927-31.9% | $5,609-15.9% |
| Admin fee / account holder | $67,133 | $13,328+403.7% | $10,705+527.1% | $10,828+520.0% |