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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 | $160,040+71.1% | $147,096+86.1% | $145,877+87.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.13% | 98.49%-83.4pp | 419.75%-404.6pp | 551.28%-536.2pp |
| Employer contribution / active EE | $17,020 | $5,289+221.8% | $4,936+244.8% | $4,663+265.0% |
| Participant deferral / active EE | $15,099 | $8,429+79.1% | $8,071+87.1% | $6,691+125.7% |
| Admin fee / account holder | $4,300 | $15,050-71.4% | $13,005-66.9% | $13,402-67.9% |