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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 | $323,405 | $198,462+63.0% | $170,439+89.7% | $147,585+119.1% |
| Participation rate | 80.0% | 88.0%-8.0pp | 83.6%-3.6pp | 82.8%-2.8pp |
| Annual return | 36.88% | 257.30%-220.4pp | 205.94%-169.1pp | 578.58%-541.7pp |
| Employer contribution / active EE | $15,825 | $6,184+155.9% | $5,433+191.3% | $4,876+224.5% |
| Participant deferral / active EE | $7,332 | $5,629+30.2% | $4,939+48.4% | $5,439+34.8% |
| Admin fee / account holder | $630 | $16,852-96.3% | $13,881-95.5% | $10,886-94.2% |