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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 | $305,758 | $180,462+69.4% | $154,111+98.4% | $135,379+125.9% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.40% | 888.17%-895.6pp | 735.18%-742.6pp | 519.79%-527.2pp |
| Employer contribution / active EE | $10,480 | $6,036+73.6% | $5,298+97.8% | $4,779+119.3% |
| Participant deferral / active EE | $15,006 | $5,806+158.4% | $5,081+195.4% | $5,609+167.5% |
| Admin fee / account holder | $7,095 | $16,145-56.1% | $13,411-47.1% | $10,828-34.5% |