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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 | $294,305 | $180,749+62.8% | $160,784+83.0% | $137,256+114.4% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 105.23% | 2234.46%-2129.2pp | 1803.92%-1698.7pp | 220.34%-115.1pp |
| Employer contribution / active EE | $24,720 | $4,155+494.9% | $3,733+562.3% | $4,156+494.8% |
| Participant deferral / active EE | $15,667 | $6,844+128.9% | $6,293+149.0% | $6,407+144.5% |
| Admin fee / account holder | $1,271 | $10,397-87.8% | $9,717-86.9% | $12,270-89.6% |