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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 | $217,432+58.9% | $185,851+85.9% | $167,553+106.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.57% | 148.43%-133.9pp | 122.11%-107.5pp | 478.89%-464.3pp |
| Employer contribution / active EE | $39,778 | $5,874+577.1% | $5,168+669.6% | $4,840+721.9% |
| Participant deferral / active EE | $27,317 | $6,357+329.7% | $5,569+390.6% | $6,343+330.7% |
| Admin fee / account holder | $3,481 | $19,820-82.4% | $16,245-78.6% | $12,316-71.7% |