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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 | $294,057 | $109,905+167.6% | $98,506+198.5% | $167,553+75.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 12.55% | 1960.20%-1947.7pp | 1494.92%-1482.4pp | 478.89%-466.3pp |
| Employer contribution / active EE | $4,576 | $3,226+41.9% | $2,961+54.5% | $4,840-5.4% |
| Participant deferral / active EE | $6,088 | $4,674+30.3% | $4,277+42.3% | $6,343-4.0% |
| Admin fee / account holder | $600 | $6,760-91.1% | $5,955-89.9% | $12,316-95.1% |