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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 | $271,739 | $160,028+69.8% | $147,080+84.8% | $145,884+86.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.05% | 98.60%-81.5pp | 420.17%-403.1pp | 551.85%-534.8pp |
| Employer contribution / active EE | $25,321 | $5,286+379.0% | $4,933+413.3% | $4,662+443.1% |
| Participant deferral / active EE | $16,819 | $8,422+99.7% | $8,066+108.5% | $6,690+151.4% |
| Admin fee / account holder | $1,749 | $15,030-88.4% | $12,989-86.5% | $13,392-86.9% |