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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 | $493,505 | $160,028+208.4% | $147,080+235.5% | $145,884+238.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.09% | 98.60%-85.5pp | 420.17%-407.1pp | 551.85%-538.8pp |
| Employer contribution / active EE | $9,532 | $5,286+80.3% | $4,933+93.2% | $4,662+104.4% |
| Participant deferral / active EE | $28,000 | $8,422+232.5% | $8,066+247.1% | $6,690+318.6% |
| Admin fee / account holder | $2,852 | $15,030-81.0% | $12,989-78.0% | $13,392-78.7% |