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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 | $319,292 | $159,978+99.6% | $147,041+117.1% | $145,978+118.7% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 13.87% | 98.36%-84.5pp | 419.21%-405.3pp | 550.52%-536.7pp |
| Employer contribution / active EE | $18,559 | $5,288+250.9% | $4,935+276.1% | $4,662+298.1% |
| Participant deferral / active EE | $49,057 | $8,429+482.0% | $8,071+507.8% | $6,690+633.3% |
| Admin fee / account holder | $30,439 | $15,053+102.2% | $13,006+134.0% | $13,400+127.2% |