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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 | $393,022 | $202,342+94.2% | $172,753+127.5% | $152,909+157.0% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 20.06% | 1029.88%-1009.8pp | 803.00%-782.9pp | 345.46%-325.4pp |
| Employer contribution / active EE | $11,184 | $5,857+90.9% | $5,144+117.4% | $4,764+134.8% |
| Participant deferral / active EE | $7,139 | $5,948+20.0% | $5,198+37.4% | $5,851+22.0% |
| Admin fee / account holder | $625 | $17,112-96.3% | $13,956-95.5% | $11,601-94.6% |