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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 | $269,689 | $100,911+167.3% | $90,440+198.2% | $158,966+69.7% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 12.93% | 1726.62%-1713.7pp | 1294.38%-1281.5pp | 302.95%-290.0pp |
| Employer contribution / active EE | $13,178 | $3,690+257.1% | $3,263+303.9% | $4,762+176.7% |
| Participant deferral / active EE | $13,484 | $4,348+210.1% | $3,964+240.2% | $5,983+125.4% |
| Admin fee / account holder | $3,354 | $6,507-48.5% | $5,615-40.3% | $11,250-70.2% |