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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 | $306,249 | $111,785+174.0% | $93,669+226.9% | $145,877+109.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 13.34% | 203.79%-190.4pp | 133.59%-120.2pp | 551.28%-537.9pp |
| Employer contribution / active EE | $17,333 | $3,096+459.9% | $2,424+615.2% | $4,663+271.7% |
| Participant deferral / active EE | $20,432 | $4,919+315.4% | $4,416+362.7% | $6,691+205.4% |
| Admin fee / account holder | $12,878 | $10,256+25.6% | $8,291+55.3% | $13,402-3.9% |