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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 | $257,588 | $150,447+71.2% | $136,298+89.0% | $147,586+74.5% |
| Participation rate | 85.7% | 84.4%+1.3pp | 81.9%+3.8pp | 82.8%+2.9pp |
| Annual return | 15.77% | 1049.15%-1033.4pp | 5156.27%-5140.5pp | 578.59%-562.8pp |
| Employer contribution / active EE | $5,771 | $5,256+9.8% | $4,696+22.9% | $4,876+18.3% |
| Participant deferral / active EE | $10,143 | $6,631+53.0% | $6,247+62.4% | $5,439+86.5% |
| Admin fee / account holder | $1,518 | $10,906-86.1% | $9,244-83.6% | $10,886-86.1% |