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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 | $382,018 | $160,040+138.7% | $147,096+159.7% | $145,877+161.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 27.08% | 98.49%-71.4pp | 419.75%-392.7pp | 551.28%-524.2pp |
| Employer contribution / active EE | $23,933 | $5,289+352.5% | $4,936+384.9% | $4,663+413.3% |
| Participant deferral / active EE | $10,648 | $8,429+26.3% | $8,071+31.9% | $6,691+59.2% |
| Admin fee / account holder | $1,298 | $15,050-91.4% | $13,005-90.0% | $13,402-90.3% |