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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 | $367,646 | $160,070+129.7% | $147,117+149.9% | $145,897+152.0% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 15.64% | 98.69%-83.0pp | 420.54%-404.9pp | 552.29%-536.6pp |
| Employer contribution / active EE | $12,231 | $5,285+131.4% | $4,932+148.0% | $4,663+162.3% |
| Participant deferral / active EE | $15,422 | $8,419+83.2% | $8,065+91.2% | $6,689+130.6% |
| Admin fee / account holder | $8,707 | $15,035-42.1% | $12,993-33.0% | $13,390-35.0% |