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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 | $314,736 | $175,259+79.6% | $149,723+110.2% | $139,487+125.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 24.96% | 166.82%-141.9pp | 134.50%-109.5pp | 373.84%-348.9pp |
| Employer contribution / active EE | $27,251 | $5,478+397.4% | $4,821+465.2% | $4,755+473.1% |
| Participant deferral / active EE | $14,748 | $6,522+126.1% | $5,682+159.5% | $6,713+119.7% |
| Admin fee / account holder | $1,468 | $16,158-90.9% | $13,215-88.9% | $11,407-87.1% |