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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 | $260,568 | $150,447+73.2% | $136,298+91.2% | $147,586+76.6% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 16.78% | 1049.15%-1032.4pp | 5156.27%-5139.5pp | 578.59%-561.8pp |
| Employer contribution / active EE | $4,673 | $5,256-11.1% | $4,696-0.5% | $4,876-4.2% |
| Participant deferral / active EE | $9,004 | $6,631+35.8% | $6,247+44.1% | $5,439+65.6% |
| Admin fee / account holder | $8,561 | $10,906-21.5% | $9,244-7.4% | $10,886-21.4% |