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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 | $278,415 | $160,040+74.0% | $147,096+89.3% | $145,877+90.9% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 15.33% | 98.49%-83.2pp | 419.75%-404.4pp | 551.28%-536.0pp |
| Employer contribution / active EE | $5,785 | $5,289+9.4% | $4,936+17.2% | $4,663+24.1% |
| Participant deferral / active EE | $3,857 | $8,429-54.2% | $8,071-52.2% | $6,691-42.4% |
| Admin fee / account holder | $28,837 | $15,050+91.6% | $13,005+121.7% | $13,402+115.2% |