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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 | $397,074 | $160,028+148.1% | $147,080+170.0% | $145,884+172.2% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 11.95% | 98.60%-86.6pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $16,385 | $5,286+210.0% | $4,933+232.1% | $4,662+251.4% |
| Participant deferral / active EE | $17,741 | $8,422+110.7% | $8,066+119.9% | $6,690+165.2% |
| Admin fee / account holder | $1,828 | $15,030-87.8% | $12,989-85.9% | $13,392-86.3% |