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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 | $340,482 | $190,916+78.3% | $160,037+112.8% | $134,545+153.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -8.89% | 552.79%-561.7pp | 408.95%-417.8pp | 418.37%-427.3pp |
| Employer contribution / active EE | $23,591 | $4,996+372.2% | $4,226+458.3% | $4,742+397.5% |
| Participant deferral / active EE | $15,940 | $6,925+130.2% | $6,184+157.8% | $6,401+149.0% |
| Admin fee / account holder | $3,029 | $10,497-71.1% | $8,716-65.2% | $11,431-73.5% |