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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 | $257,190 | $160,070+60.7% | $147,117+74.8% | $145,897+76.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.30% | 98.69%-80.4pp | 420.54%-402.2pp | 552.29%-534.0pp |
| Employer contribution / active EE | $15,401 | $5,285+191.4% | $4,932+212.2% | $4,663+230.3% |
| Participant deferral / active EE | $9,144 | $8,419+8.6% | $8,065+13.4% | $6,689+36.7% |
| Admin fee / account holder | $8,454 | $15,035-43.8% | $12,993-34.9% | $13,390-36.9% |