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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 | $378,066 | $176,120+114.7% | $159,487+137.1% | $167,553+125.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.18% | 331.95%-317.8pp | 263.71%-249.5pp | 478.89%-464.7pp |
| Employer contribution / active EE | $3,500 | $5,299-34.0% | $4,831-27.6% | $4,840-27.7% |
| Participant deferral / active EE | $16,000 | $7,752+106.4% | $7,354+117.6% | $6,343+152.3% |
| Admin fee / account holder | $2,160 | $12,561-82.8% | $10,804-80.0% | $12,316-82.5% |