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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 | $275,419 | $160,070+72.1% | $147,117+87.2% | $145,897+88.8% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 10.71% | 98.69%-88.0pp | 420.54%-409.8pp | 552.29%-541.6pp |
| Employer contribution / active EE | $18,066 | $5,285+241.9% | $4,932+266.3% | $4,663+287.5% |
| Participant deferral / active EE | $11,261 | $8,419+33.7% | $8,065+39.6% | $6,689+68.3% |
| Admin fee / account holder | $2,216 | $15,035-85.3% | $12,993-82.9% | $13,390-83.5% |