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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 | $276,340 | $138,114+100.1% | $125,391+120.4% | $134,545+105.4% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+0.9pp | 81.2%+2.1pp |
| Annual return | -14.75% | 750.88%-765.6pp | 572.41%-587.2pp | 418.37%-433.1pp |
| Employer contribution / active EE | $15,938 | $5,246+203.8% | $4,816+230.9% | $4,742+236.1% |
| Participant deferral / active EE | $8,412 | $7,801+7.8% | $7,448+12.9% | $6,401+31.4% |
| Admin fee / account holder | $3,311 | $11,570-71.4% | $10,009-66.9% | $11,431-71.0% |