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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 | $418,185 | $175,231+138.6% | $149,696+179.4% | $139,466+199.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.34% | 166.77%-147.4pp | 134.46%-115.1pp | 373.66%-354.3pp |
| Employer contribution / active EE | $16,221 | $5,478+196.1% | $4,821+236.5% | $4,754+241.2% |
| Participant deferral / active EE | $13,902 | $6,521+113.2% | $5,682+144.7% | $6,712+107.1% |
| Admin fee / account holder | $31,052 | $16,155+92.2% | $13,212+135.0% | $11,409+172.2% |