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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 | $1,565,373 | $160,070+877.9% | $147,117+964.0% | $145,897+972.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.95% | 98.69%-84.7pp | 420.54%-406.6pp | 552.29%-538.3pp |
| Employer contribution / active EE | $20,000 | $5,285+278.5% | $4,932+305.5% | $4,663+328.9% |
| Participant deferral / active EE | $15,750 | $8,419+87.1% | $8,065+95.3% | $6,689+135.5% |
| Admin fee / account holder | $5,672 | $15,035-62.3% | $12,993-56.3% | $13,390-57.6% |