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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 | $341,349 | $150,447+126.9% | $136,298+150.4% | $147,586+131.3% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 10.78% | 1049.15%-1038.4pp | 5156.27%-5145.5pp | 578.59%-567.8pp |
| Employer contribution / active EE | $4,673 | $5,256-11.1% | $4,696-0.5% | $4,876-4.2% |
| Participant deferral / active EE | $13,911 | $6,631+109.8% | $6,247+122.7% | $5,439+155.8% |
| Admin fee / account holder | $3,378 | $10,906-69.0% | $9,244-63.5% | $10,886-69.0% |