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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 | $355,512 | $160,028+122.2% | $147,080+141.7% | $145,884+143.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.24% | 98.60%-86.4pp | 420.17%-407.9pp | 551.85%-539.6pp |
| Employer contribution / active EE | $4,480 | $5,286-15.2% | $4,933-9.2% | $4,662-3.9% |
| Participant deferral / active EE | $13,617 | $8,422+61.7% | $8,066+68.8% | $6,690+103.6% |
| Admin fee / account holder | $2,267 | $15,030-84.9% | $12,989-82.5% | $13,392-83.1% |