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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 | $547,243 | $92,684+490.4% | $82,706+561.7% | $134,509+306.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -18.69% | 945.84%-964.5pp | 701.76%-720.5pp | 418.13%-436.8pp |
| Employer contribution / active EE | $39,751 | $3,272+1115.0% | $3,007+1221.7% | $4,741+738.5% |
| Participant deferral / active EE | $27,000 | $4,800+462.5% | $4,394+514.5% | $6,400+321.9% |
| Admin fee / account holder | $9,932 | $5,982+66.0% | $5,329+86.4% | $11,427-13.1% |