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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 | $379,409 | $198,457+91.2% | $170,435+122.6% | $147,586+157.1% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 21.06% | 257.30%-236.2pp | 205.94%-184.9pp | 578.59%-557.5pp |
| Employer contribution / active EE | $27,351 | $6,183+342.3% | $5,432+403.5% | $4,876+460.9% |
| Participant deferral / active EE | $12,000 | $5,629+113.2% | $4,939+142.9% | $5,439+120.6% |
| Admin fee / account holder | $4,367 | $16,852-74.1% | $13,881-68.5% | $10,886-59.9% |