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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 | $414,629 | $159,934+159.2% | $147,005+182.1% | $145,959+184.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.41% | 98.24%-87.8pp | 418.76%-408.4pp | 561.95%-551.5pp |
| Employer contribution / active EE | $8,014 | $5,287+51.6% | $4,934+62.4% | $4,661+71.9% |
| Participant deferral / active EE | $15,483 | $8,427+83.7% | $8,070+91.9% | $6,689+131.5% |
| Admin fee / account holder | $5,214 | $15,053-65.4% | $13,006-59.9% | $13,398-61.1% |