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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 | $297,078 | $160,028+85.6% | $147,080+102.0% | $145,884+103.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.36% | 98.60%-87.2pp | 420.17%-408.8pp | 551.85%-540.5pp |
| Employer contribution / active EE | $11,068 | $5,286+109.4% | $4,933+124.3% | $4,662+137.4% |
| Participant deferral / active EE | $12,355 | $8,422+46.7% | $8,066+53.2% | $6,690+84.7% |
| Admin fee / account holder | $9,886 | $15,030-34.2% | $12,989-23.9% | $13,392-26.2% |