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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 | $300,930 | $111,830+169.1% | $93,696+221.2% | $145,884+106.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 9.84% | 204.08%-194.2pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $21,963 | $3,093+610.1% | $2,422+806.8% | $4,662+371.1% |
| Participant deferral / active EE | $14,143 | $4,920+187.5% | $4,417+220.2% | $6,690+111.4% |
| Admin fee / account holder | $5,148 | $10,249-49.8% | $8,287-37.9% | $13,392-61.6% |