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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 | $375,660 | $183,592+104.6% | $155,567+141.5% | $145,959+157.4% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 10.55% | 61.24%-50.7pp | 64.74%-54.2pp | 561.95%-551.4pp |
| Employer contribution / active EE | $18,223 | $5,315+242.9% | $4,674+289.9% | $4,661+291.0% |
| Participant deferral / active EE | $11,228 | $6,464+73.7% | $5,628+99.5% | $6,689+67.9% |
| Admin fee / account holder | $16,733 | $19,318-13.4% | $15,916+5.1% | $13,398+24.9% |