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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 | $370,941 | $97,761+279.4% | $83,850+342.4% | $135,382+174.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -5.78% | 1287.44%-1293.2pp | 850.92%-856.7pp | 519.77%-525.6pp |
| Employer contribution / active EE | $10,714 | $4,222+153.8% | $3,631+195.1% | $4,779+124.2% |
| Participant deferral / active EE | $10,978 | $4,682+134.4% | $4,082+168.9% | $5,609+95.7% |
| Admin fee / account holder | $2,145 | $6,674-67.9% | $5,478-60.8% | $10,829-80.2% |