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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 | $288,488 | $104,577+175.9% | $76,667+276.3% | $152,909+88.7% |
| Participation rate | 100.0% | 76.6%+23.4pp | 72.1%+27.9pp | 82.5%+17.5pp |
| Annual return | 28.36% | 1014.36%-986.0pp | 1166.74%-1138.4pp | 345.46%-317.1pp |
| Employer contribution / active EE | $8,736 | $3,119+180.1% | $2,303+279.4% | $4,764+83.4% |
| Participant deferral / active EE | $6,056 | $4,237+42.9% | $3,336+81.5% | $5,851+3.5% |
| Admin fee / account holder | $5,966 | $12,290-51.5% | $6,423-7.1% | $11,601-48.6% |