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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 | $838,929 | $160,059+424.1% | $140,019+499.2% | $135,380+519.7% |
| Participation rate | 83.3% | 88.5%-5.2pp | 87.5%-4.2pp | 82.6%+0.7pp |
| Annual return | -5.65% | 911.48%-917.1pp | 651.17%-656.8pp | 519.81%-525.5pp |
| Employer contribution / active EE | $23,422 | $6,420+264.8% | $5,605+317.9% | $4,779+390.1% |
| Participant deferral / active EE | $17,029 | $7,641+122.9% | $6,927+145.9% | $5,609+203.6% |
| Admin fee / account holder | $101,533 | $13,328+661.8% | $10,705+848.4% | $10,828+837.7% |