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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 | $277,027 | $180,466+53.5% | $154,114+79.8% | $135,382+104.6% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -6.45% | 888.15%-894.6pp | 735.16%-741.6pp | 519.77%-526.2pp |
| Employer contribution / active EE | $5,716 | $6,035-5.3% | $5,298+7.9% | $4,779+19.6% |
| Participant deferral / active EE | $6,615 | $5,806+13.9% | $5,081+30.2% | $5,609+17.9% |
| Admin fee / account holder | $151,399 | $16,144+837.8% | $13,411+1028.9% | $10,829+1298.1% |