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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 | $396,006 | $198,462+99.5% | $170,439+132.3% | $147,585+168.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 36.69% | 257.30%-220.6pp | 205.94%-169.2pp | 578.58%-541.9pp |
| Employer contribution / active EE | $9,961 | $6,184+61.1% | $5,433+83.4% | $4,876+104.3% |
| Participant deferral / active EE | $7,019 | $5,629+24.7% | $4,939+42.1% | $5,439+29.1% |
| Admin fee / account holder | $1,486 | $16,852-91.2% | $13,881-89.3% | $10,886-86.4% |