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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 | $402,163 | $106,008+279.4% | $92,240+336.0% | $147,586+172.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 15.91% | 50.05%-34.1pp | 176.29%-160.4pp | 578.59%-562.7pp |
| Employer contribution / active EE | $14,753 | $4,333+240.4% | $3,680+300.9% | $4,876+202.5% |
| Participant deferral / active EE | $14,753 | $4,478+229.4% | $3,897+278.6% | $5,439+171.3% |
| Admin fee / account holder | $35,661 | $6,333+463.1% | $5,194+586.6% | $10,886+227.6% |