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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 | $277,982 | $150,447+84.8% | $136,298+104.0% | $147,586+88.4% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 17.87% | 1049.15%-1031.3pp | 5156.27%-5138.4pp | 578.59%-560.7pp |
| Employer contribution / active EE | $19,332 | $5,256+267.8% | $4,696+311.7% | $4,876+296.4% |
| Participant deferral / active EE | $10,428 | $6,631+57.3% | $6,247+66.9% | $5,439+91.7% |
| Admin fee / account holder | $26,037 | $10,906+138.7% | $9,244+181.7% | $10,886+139.2% |