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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 | $329,603 | $150,447+119.1% | $136,298+141.8% | $147,586+123.3% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 17.86% | 1049.15%-1031.3pp | 5156.27%-5138.4pp | 578.59%-560.7pp |
| Employer contribution / active EE | $5,526 | $5,256+5.1% | $4,696+17.7% | $4,876+13.3% |
| Participant deferral / active EE | $12,706 | $6,631+91.6% | $6,247+103.4% | $5,439+133.6% |
| Admin fee / account holder | $1,464 | $10,906-86.6% | $9,244-84.2% | $10,886-86.6% |