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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 | $936,014 | $160,040+484.9% | $147,096+536.3% | $145,877+541.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.43% | 98.49%-80.1pp | 419.75%-401.3pp | 551.28%-532.8pp |
| Employer contribution / active EE | $50,009 | $5,289+845.5% | $4,936+913.2% | $4,663+972.5% |
| Participant deferral / active EE | $15,663 | $8,429+85.8% | $8,071+94.1% | $6,691+134.1% |
| Admin fee / account holder | $2,027 | $15,050-86.5% | $13,005-84.4% | $13,402-84.9% |