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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 | $283,980 | $160,059+77.4% | $140,019+102.8% | $135,380+109.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -4.97% | 911.48%-916.5pp | 651.17%-656.1pp | 519.81%-524.8pp |
| Employer contribution / active EE | $21,194 | $6,420+230.1% | $5,605+278.1% | $4,779+343.5% |
| Participant deferral / active EE | $17,221 | $7,641+125.4% | $6,927+148.6% | $5,609+207.0% |
| Admin fee / account holder | $4,928 | $13,328-63.0% | $10,705-54.0% | $10,828-54.5% |