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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 | $253,203 | $138,114+83.3% | $125,391+101.9% | $134,545+88.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -14.78% | 750.88%-765.7pp | 572.41%-587.2pp | 418.37%-433.1pp |
| Employer contribution / active EE | $32,941 | $5,246+527.9% | $4,816+584.0% | $4,742+594.7% |
| Participant deferral / active EE | $21,997 | $7,801+182.0% | $7,448+195.3% | $6,401+243.6% |
| Admin fee / account holder | $6,306 | $11,570-45.5% | $10,009-37.0% | $11,431-44.8% |