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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 | $359,837 | $180,459+99.4% | $154,108+133.5% | $135,380+165.8% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -2.02% | 888.21%-890.2pp | 735.21%-737.2pp | 519.81%-521.8pp |
| Employer contribution / active EE | $12,442 | $6,035+106.2% | $5,298+134.9% | $4,779+160.4% |
| Participant deferral / active EE | $10,620 | $5,806+82.9% | $5,081+109.0% | $5,609+89.3% |
| Admin fee / account holder | $8,634 | $16,145-46.5% | $13,411-35.6% | $10,828-20.3% |