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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 | $560,307 | $160,070+250.0% | $147,117+280.9% | $145,897+284.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.57% | 98.69%-80.1pp | 420.54%-402.0pp | 552.29%-533.7pp |
| Employer contribution / active EE | $13,949 | $5,285+164.0% | $4,932+182.8% | $4,663+199.2% |
| Participant deferral / active EE | $18,240 | $8,419+116.6% | $8,065+126.2% | $6,689+172.7% |
| Admin fee / account holder | $10,733 | $15,035-28.6% | $12,993-17.4% | $13,390-19.8% |