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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 | $275,709 | $160,040+72.3% | $147,096+87.4% | $145,877+89.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.69% | 98.49%-86.8pp | 419.75%-408.1pp | 551.28%-539.6pp |
| Employer contribution / active EE | $9,038 | $5,289+70.9% | $4,936+83.1% | $4,663+93.8% |
| Participant deferral / active EE | $12,088 | $8,429+43.4% | $8,071+49.8% | $6,691+80.7% |
| Admin fee / account holder | $385 | $15,050-97.4% | $13,005-97.0% | $13,402-97.1% |