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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 | $360,852 | $138,076+161.3% | $123,553+192.1% | $135,380+166.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -2.33% | 153.70%-156.0pp | 119.21%-121.5pp | 519.81%-522.1pp |
| Employer contribution / active EE | $25,395 | $5,152+392.9% | $4,628+448.7% | $4,779+431.4% |
| Participant deferral / active EE | $17,211 | $6,800+153.1% | $6,426+167.8% | $5,609+206.8% |
| Admin fee / account holder | $133,358 | $10,917+1121.6% | $9,284+1336.4% | $10,828+1131.6% |