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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 | $463,207 | $180,459+156.7% | $154,108+200.6% | $135,380+242.2% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -6.71% | 888.21%-894.9pp | 735.21%-741.9pp | 519.81%-526.5pp |
| Employer contribution / active EE | $23,672 | $6,035+292.2% | $5,298+346.9% | $4,779+395.4% |
| Participant deferral / active EE | $12,762 | $5,806+119.8% | $5,081+151.2% | $5,609+127.5% |
| Admin fee / account holder | $6,261 | $16,145-61.2% | $13,411-53.3% | $10,828-42.2% |