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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 | $353,305 | $165,351+113.7% | $149,710+136.0% | $158,931+122.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.07% | 348.19%-330.1pp | 276.63%-258.6pp | 302.86%-284.8pp |
| Employer contribution / active EE | $14,591 | $5,103+185.9% | $4,645+214.2% | $4,761+206.4% |
| Participant deferral / active EE | $13,574 | $7,181+89.0% | $6,842+98.4% | $5,982+126.9% |
| Admin fee / account holder | $508 | $10,807-95.3% | $9,309-94.5% | $11,247-95.5% |