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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 | $209,422+99.3% | $178,503+133.8% | $158,982+162.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 31.69% | 188.81%-157.1pp | 151.12%-119.4pp | 302.99%-271.3pp |
| Employer contribution / active EE | $10,057 | $5,707+76.2% | $5,011+100.7% | $4,763+111.2% |
| Participant deferral / active EE | $25,300 | $5,955+324.9% | $5,202+386.3% | $5,983+322.8% |
| Admin fee / account holder | $738 | $17,079-95.7% | $13,987-94.7% | $11,252-93.4% |