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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 | $464,429 | $180,462+157.4% | $154,111+201.4% | $135,379+243.1% |
| Participation rate | 80.0% | 87.4%-7.4pp | 83.0%-3.0pp | 82.6%-2.6pp |
| Annual return | -6.21% | 888.17%-894.4pp | 735.18%-741.4pp | 519.79%-526.0pp |
| Employer contribution / active EE | $2,521 | $6,036-58.2% | $5,298-52.4% | $4,779-47.2% |
| Participant deferral / active EE | $8,261 | $5,806+42.3% | $5,081+62.6% | $5,609+47.3% |
| Admin fee / account holder | $5,178 | $16,145-67.9% | $13,411-61.4% | $10,828-52.2% |