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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 | $369,953 | $150,446+145.9% | $136,297+171.4% | $147,585+150.7% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 18.03% | 1049.14%-1031.1pp | 5156.19%-5138.2pp | 578.58%-560.6pp |
| Employer contribution / active EE | $11,451 | $5,256+117.9% | $4,696+143.9% | $4,876+134.8% |
| Participant deferral / active EE | $16,097 | $6,631+142.8% | $6,247+157.7% | $5,439+196.0% |
| Admin fee / account holder | $2,857 | $10,906-73.8% | $9,244-69.1% | $10,886-73.8% |