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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 | $434,185 | $198,457+118.8% | $170,435+154.8% | $147,586+194.2% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 14.53% | 257.30%-242.8pp | 205.94%-191.4pp | 578.59%-564.1pp |
| Employer contribution / active EE | $11,857 | $6,183+91.8% | $5,432+118.3% | $4,876+143.1% |
| Participant deferral / active EE | $5,785 | $5,629+2.8% | $4,939+17.1% | $5,439+6.4% |
| Admin fee / account holder | $885 | $16,852-94.7% | $13,881-93.6% | $10,886-91.9% |