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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 | $251,745 | $150,447+67.3% | $136,298+84.7% | $147,586+70.6% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 15.32% | 1049.15%-1033.8pp | 5156.27%-5141.0pp | 578.59%-563.3pp |
| Employer contribution / active EE | $7,586 | $5,256+44.3% | $4,696+61.5% | $4,876+55.6% |
| Participant deferral / active EE | $13,632 | $6,631+105.6% | $6,247+118.2% | $5,439+150.6% |
| Admin fee / account holder | $10,159 | $10,906-6.8% | $9,244+9.9% | $10,886-6.7% |