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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 | $403,114 | $114,119+253.2% | $107,187+276.1% | $138,895+190.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 75.11% | 273.21%-198.1pp | 204.55%-129.4pp | 145.39%-70.3pp |
| Employer contribution / active EE | $14,278 | $4,059+251.8% | $3,782+277.5% | $4,194+240.4% |
| Participant deferral / active EE | $16,318 | $5,538+194.7% | $5,096+220.2% | $6,396+155.1% |
| Admin fee / account holder | $1,315 | $10,024-86.9% | $9,162-85.6% | $12,562-89.5% |