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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 | $263,551 | $175,231+50.4% | $149,696+76.1% | $139,466+89.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.58% | 166.77%-146.2pp | 134.46%-113.9pp | 373.66%-353.1pp |
| Employer contribution / active EE | $8,804 | $5,478+60.7% | $4,821+82.6% | $4,754+85.2% |
| Participant deferral / active EE | $21,767 | $6,521+233.8% | $5,682+283.1% | $6,712+224.3% |
| Admin fee / account holder | $564 | $16,155-96.5% | $13,212-95.7% | $11,409-95.1% |