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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 | $273,790 | $160,070+71.0% | $147,117+86.1% | $145,897+87.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.13% | 98.69%-83.6pp | 420.54%-405.4pp | 552.29%-537.2pp |
| Employer contribution / active EE | $17,020 | $5,285+222.1% | $4,932+245.1% | $4,663+265.0% |
| Participant deferral / active EE | $15,099 | $8,419+79.3% | $8,065+87.2% | $6,689+125.7% |
| Admin fee / account holder | $4,300 | $15,035-71.4% | $12,993-66.9% | $13,390-67.9% |