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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 | $328,471 | $106,005+209.9% | $92,239+256.1% | $147,585+122.6% |
| Participation rate | 90.9% | 80.4%+10.5pp | 76.5%+14.4pp | 82.8%+8.1pp |
| Annual return | 12.07% | 50.05%-38.0pp | 176.29%-164.2pp | 578.58%-566.5pp |
| Employer contribution / active EE | $2,459 | $4,333-43.2% | $3,680-33.2% | $4,876-49.6% |
| Participant deferral / active EE | $7,672 | $4,478+71.3% | $3,897+96.9% | $5,439+41.1% |
| Admin fee / account holder | $16,448 | $6,333+159.7% | $5,194+216.7% | $10,886+51.1% |