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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 | $365,106 | $176,105+107.3% | $159,474+128.9% | $167,536+117.9% |
| Participation rate | 88.9% | 85.0%+3.9pp | 82.8%+6.1pp | 82.1%+6.8pp |
| Annual return | 16.60% | 331.91%-315.3pp | 263.68%-247.1pp | 478.82%-462.2pp |
| Employer contribution / active EE | $10,499 | $5,299+98.1% | $4,831+117.3% | $4,839+117.0% |
| Participant deferral / active EE | $8,739 | $7,751+12.7% | $7,353+18.8% | $6,342+37.8% |
| Admin fee / account holder | $797 | $12,559-93.7% | $10,802-92.6% | $12,315-93.5% |