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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 | $296,472 | $138,076+114.7% | $123,553+140.0% | $135,380+119.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.08% | 153.70%-159.8pp | 119.21%-125.3pp | 519.81%-525.9pp |
| Employer contribution / active EE | $14,310 | $5,152+177.8% | $4,628+209.2% | $4,779+199.4% |
| Participant deferral / active EE | $8,400 | $6,800+23.5% | $6,426+30.7% | $5,609+49.8% |
| Admin fee / account holder | $717 | $10,917-93.4% | $9,284-92.3% | $10,828-93.4% |