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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 | $443,169 | $176,105+151.6% | $159,474+177.9% | $167,536+164.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.83% | 331.91%-318.1pp | 263.68%-249.8pp | 478.82%-465.0pp |
| Employer contribution / active EE | $21,077 | $5,299+297.8% | $4,831+336.3% | $4,839+335.5% |
| Participant deferral / active EE | $14,430 | $7,751+86.2% | $7,353+96.2% | $6,342+127.5% |
| Admin fee / account holder | $5,195 | $12,559-58.6% | $10,802-51.9% | $12,315-57.8% |