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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 | $254,772 | $180,462+41.2% | $154,111+65.3% | $135,379+88.2% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.01% | 888.17%-895.2pp | 735.18%-742.2pp | 519.79%-526.8pp |
| Employer contribution / active EE | $13,301 | $6,036+120.4% | $5,298+151.1% | $4,779+178.3% |
| Participant deferral / active EE | $9,752 | $5,806+68.0% | $5,081+92.0% | $5,609+73.9% |
| Admin fee / account holder | $809 | $16,145-95.0% | $13,411-94.0% | $10,828-92.5% |