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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 | $351,638 | $167,030+110.5% | $135,768+159.0% | $155,188+126.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 16.37% | 678.39%-662.0pp | 526.10%-509.7pp | 148.84%-132.5pp |
| Employer contribution / active EE | $18,193 | $4,132+340.2% | $3,394+436.0% | $4,248+328.3% |
| Participant deferral / active EE | $19,308 | $4,528+326.4% | $3,977+385.5% | $6,531+195.6% |
| Admin fee / account holder | $47,145 | $8,172+476.9% | $7,048+568.9% | $14,480+225.6% |