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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 | $285,309 | $209,425+36.2% | $178,499+59.8% | $158,966+79.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 74.61% | 188.80%-114.2pp | 151.10%-76.5pp | 302.95%-228.3pp |
| Employer contribution / active EE | $12,569 | $5,707+120.2% | $5,011+150.8% | $4,762+163.9% |
| Participant deferral / active EE | $9,311 | $5,955+56.3% | $5,202+79.0% | $5,983+55.6% |
| Admin fee / account holder | $2,287 | $17,078-86.6% | $13,986-83.6% | $11,250-79.7% |