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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 | $292,750 | $176,688+65.7% | $130,660+124.1% | $152,885+91.5% |
| Participation rate | 100.0% | 79.0%+21.0pp | 71.7%+28.3pp | 82.5%+17.5pp |
| Annual return | 14.86% | 2693.08%-2678.2pp | 1709.29%-1694.4pp | 345.39%-330.5pp |
| Employer contribution / active EE | $7,660 | $5,743+33.4% | $4,092+87.2% | $4,763+60.8% |
| Participant deferral / active EE | $10,333 | $4,362+136.9% | $3,603+186.8% | $5,851+76.6% |
| Admin fee / account holder | $3,614 | $7,131-49.3% | $5,463-33.8% | $11,598-68.8% |