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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 | $335,065 | $175,231+91.2% | $149,696+123.8% | $139,466+140.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.85% | 166.77%-150.9pp | 134.46%-118.6pp | 373.66%-357.8pp |
| Employer contribution / active EE | $11,861 | $5,478+116.5% | $4,821+146.0% | $4,754+149.5% |
| Participant deferral / active EE | $16,625 | $6,521+154.9% | $5,682+192.6% | $6,712+147.7% |
| Admin fee / account holder | $1,603 | $16,155-90.1% | $13,212-87.9% | $11,409-85.9% |