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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 | $402,891 | $202,342+99.1% | $172,752+133.2% | $152,897+163.5% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 27.81% | 1029.83%-1002.0pp | 802.97%-775.2pp | 345.43%-317.6pp |
| Employer contribution / active EE | $6,439 | $5,858+9.9% | $5,144+25.2% | $4,764+35.2% |
| Participant deferral / active EE | $8,183 | $5,948+37.6% | $5,198+57.4% | $5,851+39.9% |
| Admin fee / account holder | $3,725 | $17,111-78.2% | $13,955-73.3% | $11,599-67.9% |