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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 | $277,939 | $165,361+68.1% | $149,715+85.6% | $158,950+74.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 19.12% | 348.24%-329.1pp | 276.66%-257.5pp | 302.91%-283.8pp |
| Employer contribution / active EE | $25,717 | $5,103+403.9% | $4,645+453.7% | $4,762+440.1% |
| Participant deferral / active EE | $27,150 | $7,182+278.0% | $6,842+296.8% | $5,983+353.8% |
| Admin fee / account holder | $9,742 | $10,808-9.9% | $9,310+4.6% | $11,248-13.4% |