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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 | $789,849 | $138,076+472.0% | $123,553+539.3% | $135,380+483.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -2.21% | 153.70%-155.9pp | 119.21%-121.4pp | 519.81%-522.0pp |
| Employer contribution / active EE | $2,241 | $5,152-56.5% | $4,628-51.6% | $4,779-53.1% |
| Participant deferral / active EE | $14,750 | $6,800+116.9% | $6,426+129.5% | $5,609+163.0% |
| Admin fee / account holder | $6,168 | $10,917-43.5% | $9,284-33.6% | $10,828-43.0% |