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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 | $313,771 | $138,076+127.2% | $123,553+154.0% | $135,380+131.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.30% | 153.70%-159.0pp | 119.21%-124.5pp | 519.81%-525.1pp |
| Employer contribution / active EE | $14,952 | $5,152+190.2% | $4,628+223.1% | $4,779+212.9% |
| Participant deferral / active EE | $4,471 | $6,800-34.2% | $6,426-30.4% | $5,609-20.3% |
| Admin fee / account holder | $731 | $10,917-93.3% | $9,284-92.1% | $10,828-93.3% |