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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 | $306,156 | $217,432+40.8% | $185,849+64.7% | $167,536+82.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.81% | 148.42%-134.6pp | 122.10%-108.3pp | 478.82%-465.0pp |
| Employer contribution / active EE | $13,231 | $5,875+125.2% | $5,169+156.0% | $4,839+173.4% |
| Participant deferral / active EE | $9,153 | $6,357+44.0% | $5,569+64.4% | $6,342+44.3% |
| Admin fee / account holder | $2,697 | $19,818-86.4% | $16,244-83.4% | $12,315-78.1% |