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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 | $426,574 | $160,040+166.5% | $147,096+190.0% | $145,877+192.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.17% | 98.49%-83.3pp | 419.75%-404.6pp | 551.28%-536.1pp |
| Employer contribution / active EE | $12,541 | $5,289+137.1% | $4,936+154.1% | $4,663+168.9% |
| Participant deferral / active EE | $8,092 | $8,429-4.0% | $8,071+0.3% | $6,691+20.9% |
| Admin fee / account holder | $3,601 | $15,050-76.1% | $13,005-72.3% | $13,402-73.1% |