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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 | $321,087 | $209,874+53.0% | $189,537+69.4% | $167,536+91.7% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 14.39% | 748.61%-734.2pp | 555.34%-540.9pp | 478.82%-464.4pp |
| Employer contribution / active EE | $16,742 | $6,913+142.2% | $6,161+171.8% | $4,839+246.0% |
| Participant deferral / active EE | $16,953 | $8,934+89.8% | $8,220+106.2% | $6,342+167.3% |
| Admin fee / account holder | $2,572 | $14,299-82.0% | $12,048-78.7% | $12,315-79.1% |