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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 | $402,537 | $202,342+98.9% | $172,752+133.0% | $152,897+163.3% |
| Participation rate | 71.4% | 87.1%-15.6pp | 82.6%-11.2pp | 82.5%-11.0pp |
| Annual return | 19.18% | 1029.83%-1010.6pp | 802.97%-783.8pp | 345.43%-326.3pp |
| Employer contribution / active EE | $7,797 | $5,858+33.1% | $5,144+51.6% | $4,764+63.7% |
| Participant deferral / active EE | $7,186 | $5,948+20.8% | $5,198+38.3% | $5,851+22.8% |
| Admin fee / account holder | $3,770 | $17,111-78.0% | $13,955-73.0% | $11,599-67.5% |