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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 | $315,256 | $96,388+227.1% | $80,627+291.0% | $139,466+126.0% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 15.87% | 1352.08%-1336.2pp | 936.76%-920.9pp | 373.66%-357.8pp |
| Employer contribution / active EE | $17,860 | $3,260+447.9% | $2,723+556.0% | $4,754+275.7% |
| Participant deferral / active EE | $9,346 | $5,224+78.9% | $4,443+110.4% | $6,712+39.2% |
| Admin fee / account holder | $3,351 | $6,603-49.3% | $5,381-37.7% | $11,409-70.6% |