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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 | $382,263 | $88,754+330.7% | $81,820+367.2% | $145,877+162.0% |
| Participation rate | 83.3% | 75.1%+8.3pp | 72.4%+10.9pp | 80.3%+3.0pp |
| Annual return | 12.42% | 1031.77%-1019.4pp | 777.93%-765.5pp | 551.28%-538.9pp |
| Employer contribution / active EE | $14,553 | $3,085+371.7% | $2,915+399.2% | $4,663+212.1% |
| Participant deferral / active EE | $9,300 | $4,648+100.1% | $4,323+115.2% | $6,691+39.0% |
| Admin fee / account holder | $4,473 | $8,424-46.9% | $7,391-39.5% | $13,402-66.6% |