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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 | $280,056 | $190,879+46.7% | $160,009+75.0% | $134,532+108.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | 0.91% | 552.63%-551.7pp | 408.85%-407.9pp | 418.27%-417.4pp |
| Employer contribution / active EE | $15,596 | $4,995+212.2% | $4,225+269.1% | $4,741+228.9% |
| Participant deferral / active EE | $17,750 | $6,924+156.4% | $6,183+187.1% | $6,401+177.3% |
| Admin fee / account holder | $2,768 | $10,495-73.6% | $8,715-68.2% | $11,429-75.8% |