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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 | $266,013 | $183,539+44.9% | $155,556+71.0% | $145,897+82.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.39% | 61.31%-51.9pp | 64.84%-55.4pp | 552.29%-542.9pp |
| Employer contribution / active EE | $14,958 | $5,315+181.4% | $4,675+219.9% | $4,663+220.8% |
| Participant deferral / active EE | $15,163 | $6,467+134.5% | $5,631+169.3% | $6,689+126.7% |
| Admin fee / account holder | $1,080 | $19,275-94.4% | $15,885-93.2% | $13,390-91.9% |