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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 | $315,345 | $160,070+97.0% | $147,117+114.4% | $145,897+116.1% |
| Participation rate | 95.0% | 84.0%+11.0pp | 82.2%+12.8pp | 80.3%+14.7pp |
| Annual return | 11.22% | 98.69%-87.5pp | 420.54%-409.3pp | 552.29%-541.1pp |
| Employer contribution / active EE | $13,011 | $5,285+146.2% | $4,932+163.8% | $4,663+179.1% |
| Participant deferral / active EE | $14,427 | $8,419+71.4% | $8,065+78.9% | $6,689+115.7% |
| Admin fee / account holder | $4,944 | $15,035-67.1% | $12,993-61.9% | $13,390-63.1% |