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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 | $307,005 | $75,832+304.8% | $147,617+108.0% | $59,633+414.8% |
| Participation rate | 88.5% | 71.6%+16.9pp | 84.6%+3.8pp | 68.7%+19.8pp |
| Annual return | -2.60% | 0.37%-3.0pp | 61.98%-64.6pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $21,210 | $3,485+508.6% | $5,564+281.2% | $2,203+862.9% |
| Participant deferral / active EE | $15,888 | $3,131+407.5% | $4,895+224.6% | $3,192+397.8% |
| Admin fee / account holder | $26,876 | $5,986+349.0% | $11,612+131.5% | $4,297+525.5% |