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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 | $345,887 | $160,040+116.1% | $147,096+135.1% | $145,877+137.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.62% | 98.49%-87.9pp | 419.75%-409.1pp | 551.28%-540.7pp |
| Employer contribution / active EE | $13,333 | $5,289+152.1% | $4,936+170.1% | $4,663+185.9% |
| Participant deferral / active EE | $13,603 | $8,429+61.4% | $8,071+68.5% | $6,691+103.3% |
| Admin fee / account holder | $32,196 | $15,050+113.9% | $13,005+147.6% | $13,402+140.2% |