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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 | $463,155 | $183,539+152.3% | $155,556+197.7% | $145,897+217.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.29% | 61.31%-46.0pp | 64.84%-49.5pp | 552.29%-537.0pp |
| Employer contribution / active EE | $14,162 | $5,315+166.4% | $4,675+202.9% | $4,663+203.7% |
| Participant deferral / active EE | $19,456 | $6,467+200.9% | $5,631+245.5% | $6,689+190.9% |
| Admin fee / account holder | $2,662 | $19,275-86.2% | $15,885-83.2% | $13,390-80.1% |