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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 | $484,109 | $150,447+221.8% | $136,298+255.2% | $147,586+228.0% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 20.53% | 1049.15%-1028.6pp | 5156.27%-5135.7pp | 578.59%-558.1pp |
| Employer contribution / active EE | $20,260 | $5,256+285.4% | $4,696+331.5% | $4,876+315.5% |
| Participant deferral / active EE | $17,325 | $6,631+161.3% | $6,247+177.3% | $5,439+218.5% |
| Admin fee / account holder | $4,374 | $10,906-59.9% | $9,244-52.7% | $10,886-59.8% |