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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 | $359,598 | $138,102+160.4% | $125,381+186.8% | $134,532+167.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | 5.47% | 750.73%-745.3pp | 572.31%-566.8pp | 418.27%-412.8pp |
| Employer contribution / active EE | $13,192 | $5,245+151.5% | $4,815+174.0% | $4,741+178.2% |
| Participant deferral / active EE | $16,809 | $7,801+115.5% | $7,448+125.7% | $6,401+162.6% |
| Admin fee / account holder | $39,150 | $11,568+238.4% | $10,007+291.2% | $11,429+242.6% |