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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 | $294,592 | $150,447+95.8% | $136,298+116.1% | $147,586+99.6% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 21.58% | 1049.15%-1027.6pp | 5156.27%-5134.7pp | 578.59%-557.0pp |
| Employer contribution / active EE | $9,125 | $5,256+73.6% | $4,696+94.3% | $4,876+87.1% |
| Participant deferral / active EE | $6,772 | $6,631+2.1% | $6,247+8.4% | $5,439+24.5% |
| Admin fee / account holder | $5,672 | $10,906-48.0% | $9,244-38.6% | $10,886-47.9% |