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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 | $387,365 | $180,462+114.7% | $154,111+151.4% | $135,379+186.1% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | 10.42% | 888.17%-877.8pp | 735.18%-724.8pp | 519.79%-509.4pp |
| Employer contribution / active EE | $29,273 | $6,036+385.0% | $5,298+452.5% | $4,779+512.5% |
| Participant deferral / active EE | $21,773 | $5,806+275.0% | $5,081+328.6% | $5,609+288.2% |
| Admin fee / account holder | $2,026 | $16,145-87.5% | $13,411-84.9% | $10,828-81.3% |