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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 | $305,160 | $168,636+81.0% | $147,617+106.7% | $125,393+143.4% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -2.88% | 77.65%-80.5pp | 61.98%-64.9pp | 282.23%-285.1pp |
| Employer contribution / active EE | $13,170 | $6,252+110.6% | $5,565+136.7% | $4,866+170.6% |
| Participant deferral / active EE | $8,736 | $5,507+58.6% | $4,895+78.5% | $5,351+63.3% |
| Admin fee / account holder | $780 | $13,580-94.3% | $11,611-93.3% | $9,541-91.8% |