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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 | $281,866 | $90,607+211.1% | $79,467+254.7% | $135,380+108.2% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -6.29% | 977.74%-984.0pp | 718.30%-724.6pp | 519.81%-526.1pp |
| Employer contribution / active EE | $14,199 | $3,068+362.8% | $2,800+407.1% | $4,779+197.1% |
| Participant deferral / active EE | $9,581 | $4,050+136.5% | $3,704+158.7% | $5,609+70.8% |
| Admin fee / account holder | $4,189 | $5,895-28.9% | $5,104-17.9% | $10,828-61.3% |