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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 | $375,826 | $138,114+172.1% | $125,391+199.7% | $134,545+179.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -8.59% | 750.88%-759.5pp | 572.41%-581.0pp | 418.37%-427.0pp |
| Employer contribution / active EE | $21,996 | $5,246+319.3% | $4,816+356.7% | $4,742+363.9% |
| Participant deferral / active EE | $10,518 | $7,801+34.8% | $7,448+41.2% | $6,401+64.3% |
| Admin fee / account holder | $4,603 | $11,570-60.2% | $10,009-54.0% | $11,431-59.7% |