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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 | $349,659 | $160,040+118.5% | $147,096+137.7% | $145,877+139.7% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 14.81% | 98.49%-83.7pp | 419.75%-404.9pp | 551.28%-536.5pp |
| Employer contribution / active EE | $12,548 | $5,289+137.2% | $4,936+154.2% | $4,663+169.1% |
| Participant deferral / active EE | $17,921 | $8,429+112.6% | $8,071+122.0% | $6,691+167.8% |
| Admin fee / account holder | $8,556 | $15,050-43.1% | $13,005-34.2% | $13,402-36.2% |