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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 | $758,445 | $160,070+373.8% | $147,117+415.5% | $145,897+419.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 36.27% | 98.69%-62.4pp | 420.54%-384.3pp | 552.29%-516.0pp |
| Employer contribution / active EE | $17,530 | $5,285+231.7% | $4,932+255.4% | $4,663+276.0% |
| Participant deferral / active EE | $9,250 | $8,419+9.9% | $8,065+14.7% | $6,689+38.3% |
| Admin fee / account holder | $128,000 | $15,035+751.3% | $12,993+885.2% | $13,390+855.9% |