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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 | $428,331 | $217,432+97.0% | $185,851+130.5% | $167,553+155.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.98% | 148.43%-131.5pp | 122.11%-105.1pp | 478.89%-461.9pp |
| Employer contribution / active EE | $13,185 | $5,874+124.4% | $5,168+155.1% | $4,840+172.4% |
| Participant deferral / active EE | $17,451 | $6,357+174.5% | $5,569+213.4% | $6,343+175.1% |
| Admin fee / account holder | $1,106 | $19,820-94.4% | $16,245-93.2% | $12,316-91.0% |