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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 | $521,167 | $198,457+162.6% | $170,435+205.8% | $147,586+253.1% |
| Participation rate | 88.9% | 88.0%+0.9pp | 83.6%+5.3pp | 82.8%+6.1pp |
| Annual return | 18.98% | 257.30%-238.3pp | 205.94%-187.0pp | 578.59%-559.6pp |
| Employer contribution / active EE | $30,907 | $6,183+399.9% | $5,432+469.0% | $4,876+533.8% |
| Participant deferral / active EE | $19,630 | $5,629+248.7% | $4,939+297.4% | $5,439+260.9% |
| Admin fee / account holder | $2,137 | $16,852-87.3% | $13,881-84.6% | $10,886-80.4% |