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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 | $273,264 | $150,446+81.6% | $136,297+100.5% | $147,585+85.2% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 13.46% | 1049.14%-1035.7pp | 5156.19%-5142.7pp | 578.58%-565.1pp |
| Employer contribution / active EE | $4,018 | $5,256-23.6% | $4,696-14.4% | $4,876-17.6% |
| Participant deferral / active EE | $8,502 | $6,631+28.2% | $6,247+36.1% | $5,439+56.3% |
| Admin fee / account holder | $27,800 | $10,906+154.9% | $9,244+200.7% | $10,886+155.4% |