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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 | $253,786 | $114,093+122.4% | $96,171+163.9% | $167,536+51.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 17.11% | 190.00%-172.9pp | 192.04%-174.9pp | 478.82%-461.7pp |
| Employer contribution / active EE | $7,795 | $3,429+127.3% | $2,799+178.5% | $4,839+61.1% |
| Participant deferral / active EE | $22,750 | $5,197+337.8% | $4,350+423.0% | $6,342+258.7% |
| Admin fee / account holder | $2,180 | $6,899-68.4% | $5,538-60.6% | $12,315-82.3% |