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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 | $274,192 | $135,639+102.1% | $110,241+148.7% | $135,382+102.5% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -4.49% | 513.21%-517.7pp | 314.75%-319.2pp | 519.77%-524.3pp |
| Employer contribution / active EE | $15,292 | $4,907+211.7% | $3,827+299.6% | $4,779+220.0% |
| Participant deferral / active EE | $8,167 | $5,507+48.3% | $4,672+74.8% | $5,609+45.6% |
| Admin fee / account holder | $7,777 | $11,457-32.1% | $8,548-9.0% | $10,829-28.2% |