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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 | $293,541 | $180,466+62.7% | $154,114+90.5% | $135,382+116.8% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -6.06% | 888.15%-894.2pp | 735.16%-741.2pp | 519.77%-525.8pp |
| Employer contribution / active EE | $22,968 | $6,035+280.6% | $5,298+333.5% | $4,779+380.6% |
| Participant deferral / active EE | $16,414 | $5,806+182.7% | $5,081+223.1% | $5,609+192.6% |
| Admin fee / account holder | $12,734 | $16,144-21.1% | $13,411-5.0% | $10,829+17.6% |