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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 | $345,566 | $217,427+58.9% | $185,837+86.0% | $167,518+106.3% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.57% | 148.39%-133.8pp | 122.08%-107.5pp | 478.71%-464.1pp |
| Employer contribution / active EE | $39,778 | $5,874+577.2% | $5,168+669.7% | $4,838+722.1% |
| Participant deferral / active EE | $27,317 | $6,357+329.7% | $5,568+390.6% | $6,342+330.7% |
| Admin fee / account holder | $3,481 | $19,816-82.4% | $16,241-78.6% | $12,312-71.7% |