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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 | $307,975 | $138,114+123.0% | $125,391+145.6% | $134,545+128.9% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -11.56% | 750.88%-762.4pp | 572.41%-584.0pp | 418.37%-429.9pp |
| Employer contribution / active EE | $2,283 | $5,246-56.5% | $4,816-52.6% | $4,742-51.8% |
| Participant deferral / active EE | $12,648 | $7,801+62.1% | $7,448+69.8% | $6,401+97.6% |
| Admin fee / account holder | $4,920 | $11,570-57.5% | $10,009-50.8% | $11,431-57.0% |