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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 | $941,150 | $160,040+488.1% | $147,096+539.8% | $145,877+545.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 27.68% | 98.49%-70.8pp | 419.75%-392.1pp | 551.28%-523.6pp |
| Employer contribution / active EE | $1,951 | $5,289-63.1% | $4,936-60.5% | $4,663-58.2% |
| Participant deferral / active EE | $15,250 | $8,429+80.9% | $8,071+88.9% | $6,691+127.9% |
| Admin fee / account holder | $1,719 | $15,050-88.6% | $13,005-86.8% | $13,402-87.2% |