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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 | $259,005 | $160,070+61.8% | $147,117+76.1% | $145,897+77.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.25% | 98.69%-87.4pp | 420.54%-409.3pp | 552.29%-541.0pp |
| Employer contribution / active EE | $2,906 | $5,285-45.0% | $4,932-41.1% | $4,663-37.7% |
| Participant deferral / active EE | $14,328 | $8,419+70.2% | $8,065+77.7% | $6,689+114.2% |
| Admin fee / account holder | $2,068 | $15,035-86.2% | $12,993-84.1% | $13,390-84.6% |