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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 | $257,466 | $109,372+135.4% | $89,414+188.0% | $158,966+62.0% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 19.32% | 345.55%-326.2pp | 245.50%-226.2pp | 302.95%-283.6pp |
| Employer contribution / active EE | $21,087 | $3,171+564.9% | $2,586+715.3% | $4,762+342.8% |
| Participant deferral / active EE | $13,000 | $4,598+182.7% | $3,890+234.2% | $5,983+117.3% |
| Admin fee / account holder | $5,610 | $6,156-8.9% | $4,883+14.9% | $11,250-50.1% |