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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 | $1,131,393 | $160,040+606.9% | $147,096+669.2% | $145,877+675.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.27% | 98.49%-83.2pp | 419.75%-404.5pp | 551.28%-536.0pp |
| Employer contribution / active EE | $23,412 | $5,289+342.6% | $4,936+374.3% | $4,663+402.1% |
| Participant deferral / active EE | $16,562 | $8,429+96.5% | $8,071+105.2% | $6,691+147.5% |
| Admin fee / account holder | $13,241 | $15,050-12.0% | $13,005+1.8% | $13,402-1.2% |