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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 | $354,851 | $176,120+101.5% | $159,487+122.5% | $167,553+111.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.92% | 331.95%-317.0pp | 263.71%-248.8pp | 478.89%-464.0pp |
| Employer contribution / active EE | $3,617 | $5,299-31.7% | $4,831-25.1% | $4,840-25.3% |
| Participant deferral / active EE | $13,166 | $7,752+69.9% | $7,354+79.0% | $6,343+107.6% |
| Admin fee / account holder | $2,919 | $12,561-76.8% | $10,804-73.0% | $12,316-76.3% |