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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 | $323,086 | $165,399+95.3% | $149,745+115.8% | $158,982+103.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.64% | 348.34%-336.7pp | 276.72%-265.1pp | 302.99%-291.3pp |
| Employer contribution / active EE | $18,415 | $5,105+260.7% | $4,646+296.4% | $4,763+286.6% |
| Participant deferral / active EE | $10,348 | $7,183+44.1% | $6,843+51.2% | $5,983+72.9% |
| Admin fee / account holder | $468 | $10,811-95.7% | $9,312-95.0% | $11,252-95.8% |