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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 | $564,148 | $160,070+252.4% | $147,117+283.5% | $145,897+286.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.51% | 98.69%-80.2pp | 420.54%-402.0pp | 552.29%-533.8pp |
| Employer contribution / active EE | $45,692 | $5,285+764.6% | $4,932+826.3% | $4,663+880.0% |
| Participant deferral / active EE | $12,706 | $8,419+50.9% | $8,065+57.6% | $6,689+89.9% |
| Admin fee / account holder | $3,000 | $15,035-80.0% | $12,993-76.9% | $13,390-77.6% |