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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 | $368,605 | $106,005+247.7% | $92,239+299.6% | $147,585+149.8% |
| Participation rate | 88.9% | 80.4%+8.5pp | 76.5%+12.4pp | 82.8%+6.1pp |
| Annual return | 14.87% | 50.05%-35.2pp | 176.29%-161.4pp | 578.58%-563.7pp |
| Employer contribution / active EE | $15,236 | $4,333+251.6% | $3,680+314.1% | $4,876+212.4% |
| Participant deferral / active EE | $12,842 | $4,478+186.8% | $3,897+229.5% | $5,439+136.1% |
| Admin fee / account holder | $3,151 | $6,333-50.3% | $5,194-39.3% | $10,886-71.1% |