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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 | $390,787 | $209,425+86.6% | $178,499+118.9% | $158,966+145.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 14.99% | 188.80%-173.8pp | 151.10%-136.1pp | 302.95%-288.0pp |
| Employer contribution / active EE | $11,146 | $5,707+95.3% | $5,011+122.4% | $4,762+134.0% |
| Participant deferral / active EE | $7,150 | $5,955+20.1% | $5,202+37.4% | $5,983+19.5% |
| Admin fee / account holder | $3,098 | $17,078-81.9% | $13,986-77.8% | $11,250-72.5% |