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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 | $391,906 | $176,105+122.5% | $159,474+145.8% | $167,536+133.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 15.03% | 331.91%-316.9pp | 263.68%-248.7pp | 478.82%-463.8pp |
| Employer contribution / active EE | $16,196 | $5,299+205.6% | $4,831+235.3% | $4,839+234.7% |
| Participant deferral / active EE | $21,904 | $7,751+182.6% | $7,353+197.9% | $6,342+245.4% |
| Admin fee / account holder | $4,034 | $12,559-67.9% | $10,802-62.7% | $12,315-67.2% |