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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 | $303,642 | $90,606+235.1% | $79,466+282.1% | $135,379+124.3% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -7.86% | 977.69%-985.6pp | 718.28%-726.1pp | 519.79%-527.6pp |
| Employer contribution / active EE | $4,286 | $3,068+39.7% | $2,800+53.0% | $4,779-10.3% |
| Participant deferral / active EE | $5,415 | $4,050+33.7% | $3,704+46.2% | $5,609-3.5% |
| Admin fee / account holder | $12,407 | $5,895+110.5% | $5,104+143.1% | $10,828+14.6% |