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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 | $531,695 | $160,040+232.2% | $147,096+261.5% | $145,877+264.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.81% | 98.49%-81.7pp | 419.75%-402.9pp | 551.28%-534.5pp |
| Employer contribution / active EE | $22,799 | $5,289+331.0% | $4,936+361.9% | $4,663+388.9% |
| Participant deferral / active EE | $13,835 | $8,429+64.1% | $8,071+71.4% | $6,691+106.8% |
| Admin fee / account holder | $3,932 | $15,050-73.9% | $13,005-69.8% | $13,402-70.7% |