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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 | $267,155 | $160,028+66.9% | $147,080+81.6% | $145,884+83.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 10.05% | 98.60%-88.5pp | 420.17%-410.1pp | 551.85%-541.8pp |
| Employer contribution / active EE | $15,781 | $5,286+198.6% | $4,933+219.9% | $4,662+238.5% |
| Participant deferral / active EE | $11,783 | $8,422+39.9% | $8,066+46.1% | $6,690+76.1% |
| Admin fee / account holder | $138,561 | $15,030+821.9% | $12,989+966.8% | $13,392+934.7% |