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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 | $270,676 | $160,070+69.1% | $147,117+84.0% | $145,897+85.5% |
| Participation rate | 92.9% | 84.0%+8.8pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 10.79% | 98.69%-87.9pp | 420.54%-409.8pp | 552.29%-541.5pp |
| Employer contribution / active EE | $12,637 | $5,285+139.1% | $4,932+156.2% | $4,663+171.0% |
| Participant deferral / active EE | $12,934 | $8,419+53.6% | $8,065+60.4% | $6,689+93.4% |
| Admin fee / account holder | $15,752 | $15,035+4.8% | $12,993+21.2% | $13,390+17.6% |