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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 | $370,913 | $156,927+136.4% | $121,169+206.1% | $139,456+166.0% |
| Participation rate | 77.8% | 76.4%+1.3pp | 69.5%+8.3pp | 80.3%-2.5pp |
| Annual return | 21.17% | 1475.85%-1454.7pp | 986.71%-965.5pp | 373.45%-352.3pp |
| Employer contribution / active EE | $13,945 | $5,542+151.6% | $4,168+234.6% | $4,753+193.4% |
| Participant deferral / active EE | $11,531 | $4,848+137.8% | $4,083+182.4% | $6,711+71.8% |
| Admin fee / account holder | $7,372 | $6,946+6.1% | $5,645+30.6% | $11,407-35.4% |