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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 | $416,253 | $160,070+160.0% | $147,117+182.9% | $145,897+185.3% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 13.14% | 98.69%-85.5pp | 420.54%-407.4pp | 552.29%-539.1pp |
| Employer contribution / active EE | $12,477 | $5,285+136.1% | $4,932+153.0% | $4,663+167.6% |
| Participant deferral / active EE | $15,262 | $8,419+81.3% | $8,065+89.2% | $6,689+128.2% |
| Admin fee / account holder | $330 | $15,035-97.8% | $12,993-97.5% | $13,390-97.5% |