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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 | $874,542 | $138,076+533.4% | $123,553+607.8% | $135,380+546.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.28% | 153.70%-158.0pp | 119.21%-123.5pp | 519.81%-524.1pp |
| Employer contribution / active EE | $10,458 | $5,152+103.0% | $4,628+126.0% | $4,779+118.8% |
| Participant deferral / active EE | $14,643 | $6,800+115.4% | $6,426+127.9% | $5,609+161.1% |
| Admin fee / account holder | $3,374 | $10,917-69.1% | $9,284-63.7% | $10,828-68.8% |