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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 | $434,148 | $75,832+472.5% | $147,617+194.1% | $59,633+628.0% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -0.54% | 0.37%-0.9pp | 61.98%-62.5pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $20,374 | $3,485+484.7% | $5,564+266.1% | $2,203+825.0% |
| Participant deferral / active EE | $12,696 | $3,131+305.5% | $4,895+159.3% | $3,192+297.8% |
| Admin fee / account holder | $45,147 | $5,986+654.3% | $11,612+288.8% | $4,297+950.7% |