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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 | $251,374 | $180,466+39.3% | $154,114+63.1% | $135,382+85.7% |
| Participation rate | 76.9% | 87.4%-10.5pp | 83.0%-6.1pp | 82.6%-5.7pp |
| Annual return | -2.14% | 888.15%-890.3pp | 735.16%-737.3pp | 519.77%-521.9pp |
| Employer contribution / active EE | $5,397 | $6,035-10.6% | $5,298+1.9% | $4,779+12.9% |
| Participant deferral / active EE | $3,345 | $5,806-42.4% | $5,081-34.2% | $5,609-40.4% |
| Admin fee / account holder | $36,978 | $16,144+129.0% | $13,411+175.7% | $10,829+241.5% |