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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 | $535,756 | $165,351+224.0% | $149,710+257.9% | $158,931+237.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.66% | 348.19%-331.5pp | 276.63%-260.0pp | 302.86%-286.2pp |
| Employer contribution / active EE | $12,472 | $5,103+144.4% | $4,645+168.5% | $4,761+161.9% |
| Participant deferral / active EE | $18,813 | $7,181+162.0% | $6,842+175.0% | $5,982+214.5% |
| Admin fee / account holder | $4,261 | $10,807-60.6% | $9,309-54.2% | $11,247-62.1% |