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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 | $349,680 | $225,673+54.9% | $203,872+71.5% | $155,188+125.3% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 12.72% | 95.91%-83.2pp | 85.11%-72.4pp | 148.84%-136.1pp |
| Employer contribution / active EE | $17,241 | $4,099+320.6% | $3,757+358.8% | $4,248+305.9% |
| Participant deferral / active EE | $21,400 | $6,893+210.5% | $6,388+235.0% | $6,531+227.7% |
| Admin fee / account holder | $1,669 | $12,327-86.5% | $11,730-85.8% | $14,480-88.5% |