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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 | $334,884 | $109,872+204.8% | $98,483+240.0% | $167,536+99.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 15.45% | 1959.31%-1943.9pp | 1494.38%-1478.9pp | 478.82%-463.4pp |
| Employer contribution / active EE | $1,754 | $3,225-45.6% | $2,961-40.8% | $4,839-63.8% |
| Participant deferral / active EE | $25,615 | $4,673+448.1% | $4,276+499.0% | $6,342+303.9% |
| Admin fee / account holder | $570 | $6,757-91.6% | $5,953-90.4% | $12,315-95.4% |