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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 | $357,399 | $198,462+80.1% | $170,439+109.7% | $147,585+142.2% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 17.84% | 257.30%-239.5pp | 205.94%-188.1pp | 578.58%-560.7pp |
| Employer contribution / active EE | $15,152 | $6,184+145.0% | $5,433+178.9% | $4,876+210.7% |
| Participant deferral / active EE | $16,151 | $5,629+186.9% | $4,939+227.0% | $5,439+197.0% |
| Admin fee / account holder | $4,285 | $16,852-74.6% | $13,881-69.1% | $10,886-60.6% |