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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 | $352,896 | $209,422+68.5% | $178,503+97.7% | $158,982+122.0% |
| Participation rate | 91.7% | 86.4%+5.3pp | 81.9%+9.7pp | 82.0%+9.7pp |
| Annual return | 11.97% | 188.81%-176.8pp | 151.12%-139.2pp | 302.99%-291.0pp |
| Employer contribution / active EE | $14,493 | $5,707+153.9% | $5,011+189.2% | $4,763+204.3% |
| Participant deferral / active EE | $6,616 | $5,955+11.1% | $5,202+27.2% | $5,983+10.6% |
| Admin fee / account holder | $70,493 | $17,079+312.7% | $13,987+404.0% | $11,252+526.5% |