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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 | $288,402 | $160,028+80.2% | $147,080+96.1% | $145,884+97.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.70% | 98.60%-83.9pp | 420.17%-405.5pp | 551.85%-537.1pp |
| Employer contribution / active EE | $12,349 | $5,286+133.6% | $4,933+150.3% | $4,662+164.9% |
| Participant deferral / active EE | $14,510 | $8,422+72.3% | $8,066+79.9% | $6,690+116.9% |
| Admin fee / account holder | $5,878 | $15,030-60.9% | $12,989-54.7% | $13,392-56.1% |