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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 | $371,823 | $176,105+111.1% | $159,474+133.2% | $167,536+121.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.62% | 331.91%-319.3pp | 263.68%-251.1pp | 478.82%-466.2pp |
| Employer contribution / active EE | $11,656 | $5,299+120.0% | $4,831+141.3% | $4,839+140.9% |
| Participant deferral / active EE | $5,200 | $7,751-32.9% | $7,353-29.3% | $6,342-18.0% |
| Admin fee / account holder | $3,166 | $12,559-74.8% | $10,802-70.7% | $12,315-74.3% |