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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 | $344,496 | $176,120+95.6% | $159,487+116.0% | $167,553+105.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 17.08% | 331.95%-314.9pp | 263.71%-246.6pp | 478.89%-461.8pp |
| Employer contribution / active EE | $2,382 | $5,299-55.1% | $4,831-50.7% | $4,840-50.8% |
| Participant deferral / active EE | $20,381 | $7,752+162.9% | $7,354+177.2% | $6,343+221.3% |
| Admin fee / account holder | $2,714 | $12,561-78.4% | $10,804-74.9% | $12,316-78.0% |