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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 | $354,427 | $96,691+266.6% | $86,656+309.0% | $139,487+154.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 26.47% | 106.87%-80.4pp | 593.09%-566.6pp | 373.84%-347.4pp |
| Employer contribution / active EE | $21,391 | $3,267+554.8% | $3,025+607.0% | $4,755+349.9% |
| Participant deferral / active EE | $16,541 | $4,838+241.9% | $4,439+272.6% | $6,713+146.4% |
| Admin fee / account holder | $8,342 | $6,414+30.1% | $5,619+48.5% | $11,407-26.9% |