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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 | $277,538 | $97,732+184.0% | $83,831+231.1% | $135,380+105.0% |
| Participation rate | 88.9% | 80.0%+8.9pp | 76.1%+12.7pp | 82.6%+6.2pp |
| Annual return | -5.35% | 1287.56%-1292.9pp | 850.99%-856.3pp | 519.81%-525.2pp |
| Employer contribution / active EE | $2,705 | $4,222-35.9% | $3,631-25.5% | $4,779-43.4% |
| Participant deferral / active EE | $8,686 | $4,683+85.5% | $4,082+112.8% | $5,609+54.9% |
| Admin fee / account holder | $1,591 | $6,675-76.2% | $5,479-71.0% | $10,828-85.3% |