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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 | $555,257 | $138,114+302.0% | $125,391+342.8% | $134,545+312.7% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | 0.11% | 750.88%-750.8pp | 572.41%-572.3pp | 418.37%-418.3pp |
| Employer contribution / active EE | $7,798 | $5,246+48.6% | $4,816+61.9% | $4,742+64.5% |
| Participant deferral / active EE | $18,600 | $7,801+138.4% | $7,448+149.7% | $6,401+190.6% |
| Admin fee / account holder | $859 | $11,570-92.6% | $10,009-91.4% | $11,431-92.5% |