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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 | $250,440 | $159,978+56.5% | $147,041+70.3% | $145,978+71.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.01% | 98.36%-86.4pp | 419.21%-407.2pp | 550.52%-538.5pp |
| Employer contribution / active EE | $29,046 | $5,288+449.3% | $4,935+488.6% | $4,662+523.1% |
| Participant deferral / active EE | $8,337 | $8,429-1.1% | $8,071+3.3% | $6,690+24.6% |
| Admin fee / account holder | $22,188 | $15,053+47.4% | $13,006+70.6% | $13,400+65.6% |