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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 | $524,819 | $180,459+190.8% | $154,108+240.6% | $135,380+287.7% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -4.96% | 888.21%-893.2pp | 735.21%-740.2pp | 519.81%-524.8pp |
| Employer contribution / active EE | $8,631 | $6,035+43.0% | $5,298+62.9% | $4,779+80.6% |
| Participant deferral / active EE | $10,755 | $5,806+85.2% | $5,081+111.7% | $5,609+91.8% |
| Admin fee / account holder | $70,470 | $16,145+336.5% | $13,411+425.4% | $10,828+550.8% |