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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 | $671,130 | $160,070+319.3% | $147,117+356.2% | $145,897+360.0% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 53.47% | 98.69%-45.2pp | 420.54%-367.1pp | 552.29%-498.8pp |
| Employer contribution / active EE | $1,127 | $5,285-78.7% | $4,932-77.1% | $4,663-75.8% |
| Participant deferral / active EE | $2,842 | $8,419-66.2% | $8,065-64.8% | $6,689-57.5% |
| Admin fee / account holder | $156,306 | $15,035+939.6% | $12,993+1103.0% | $13,390+1067.3% |