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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 | $366,197 | $160,070+128.8% | $147,117+148.9% | $145,897+151.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.27% | 98.69%-88.4pp | 420.54%-410.3pp | 552.29%-542.0pp |
| Employer contribution / active EE | $1,909 | $5,285-63.9% | $4,932-61.3% | $4,663-59.1% |
| Participant deferral / active EE | $12,895 | $8,419+53.2% | $8,065+59.9% | $6,689+92.8% |
| Admin fee / account holder | $2,744 | $15,035-81.7% | $12,993-78.9% | $13,390-79.5% |