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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 | $255,345 | $160,070+59.5% | $147,117+73.6% | $145,897+75.0% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 13.77% | 98.69%-84.9pp | 420.54%-406.8pp | 552.29%-538.5pp |
| Employer contribution / active EE | $14,369 | $5,285+171.9% | $4,932+191.3% | $4,663+208.2% |
| Participant deferral / active EE | $14,585 | $8,419+73.2% | $8,065+80.9% | $6,689+118.0% |
| Admin fee / account holder | $7,022 | $15,035-53.3% | $12,993-46.0% | $13,390-47.6% |