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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 | $439,387 | $176,105+149.5% | $159,474+175.5% | $167,536+162.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.02% | 331.91%-317.9pp | 263.68%-249.7pp | 478.82%-464.8pp |
| Employer contribution / active EE | $25,413 | $5,299+379.6% | $4,831+426.1% | $4,839+425.2% |
| Participant deferral / active EE | $24,430 | $7,751+215.2% | $7,353+232.2% | $6,342+285.2% |
| Admin fee / account holder | $56,260 | $12,559+348.0% | $10,802+420.8% | $12,315+356.9% |