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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 | $406,262 | $157,296+158.3% | $141,191+187.7% | $152,897+165.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 185.18% | 64.34%+120.8pp | 71.41%+113.8pp | 345.43%-160.2pp |
| Employer contribution / active EE | $5,599 | $5,262+6.4% | $4,736+18.2% | $4,764+17.5% |
| Participant deferral / active EE | $3,444 | $7,111-51.6% | $6,710-48.7% | $5,851-41.1% |
| Admin fee / account holder | $398 | $12,125-96.7% | $10,264-96.1% | $11,599-96.6% |