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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 | $271,124 | $176,105+54.0% | $159,474+70.0% | $167,536+61.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 24.92% | 331.91%-307.0pp | 263.68%-238.8pp | 478.82%-453.9pp |
| Employer contribution / active EE | $18,146 | $5,299+242.4% | $4,831+275.6% | $4,839+275.0% |
| Participant deferral / active EE | $10,200 | $7,751+31.6% | $7,353+38.7% | $6,342+60.8% |
| Admin fee / account holder | $854 | $12,559-93.2% | $10,802-92.1% | $12,315-93.1% |