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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 | $417,282 | $209,405+99.3% | $178,486+133.8% | $158,931+162.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 31.69% | 188.77%-157.1pp | 151.08%-119.4pp | 302.86%-271.2pp |
| Employer contribution / active EE | $10,057 | $5,707+76.2% | $5,011+100.7% | $4,761+111.2% |
| Participant deferral / active EE | $25,300 | $5,954+324.9% | $5,202+386.4% | $5,982+322.9% |
| Admin fee / account holder | $738 | $17,076-95.7% | $13,985-94.7% | $11,247-93.4% |