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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 | $292,430 | $209,874+39.3% | $189,537+54.3% | $167,536+74.5% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 19.50% | 748.61%-729.1pp | 555.34%-535.8pp | 478.82%-459.3pp |
| Employer contribution / active EE | $17,594 | $6,913+154.5% | $6,161+185.6% | $4,839+263.6% |
| Participant deferral / active EE | $13,606 | $8,934+52.3% | $8,220+65.5% | $6,342+114.5% |
| Admin fee / account holder | $4,842 | $14,299-66.1% | $12,048-59.8% | $12,315-60.7% |