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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 | $583,244 | $168,635+245.9% | $147,617+295.1% | $125,389+365.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 1.43% | 77.65%-76.2pp | 61.98%-60.6pp | 282.24%-280.8pp |
| Employer contribution / active EE | $19,424 | $6,252+210.7% | $5,564+249.1% | $4,866+299.2% |
| Participant deferral / active EE | $12,000 | $5,507+117.9% | $4,895+145.1% | $5,352+124.2% |
| Admin fee / account holder | $1,241 | $13,580-90.9% | $11,612-89.3% | $9,541-87.0% |