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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 | $472,365 | $160,070+195.1% | $147,117+221.1% | $145,897+223.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.04% | 98.69%-85.6pp | 420.54%-407.5pp | 552.29%-539.3pp |
| Employer contribution / active EE | $15,084 | $5,285+185.4% | $4,932+205.8% | $4,663+223.5% |
| Participant deferral / active EE | $22,666 | $8,419+169.2% | $8,065+181.1% | $6,689+238.8% |
| Admin fee / account holder | $1,207 | $15,035-92.0% | $12,993-90.7% | $13,390-91.0% |