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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 | $261,645 | $176,120+48.6% | $159,487+64.1% | $167,553+56.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.44% | 331.95%-321.5pp | 263.71%-253.3pp | 478.89%-468.5pp |
| Employer contribution / active EE | $3,229 | $5,299-39.1% | $4,831-33.2% | $4,840-33.3% |
| Participant deferral / active EE | $6,727 | $7,752-13.2% | $7,354-8.5% | $6,343+6.1% |
| Admin fee / account holder | $5,640 | $12,561-55.1% | $10,804-47.8% | $12,316-54.2% |