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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 | $261,697 | $202,342+29.3% | $172,753+51.5% | $152,909+71.1% |
| Participation rate | 85.7% | 87.1%-1.3pp | 82.6%+3.1pp | 82.5%+3.3pp |
| Annual return | 27.37% | 1029.88%-1002.5pp | 803.00%-775.6pp | 345.46%-318.1pp |
| Employer contribution / active EE | $11,429 | $5,857+95.1% | $5,144+122.2% | $4,764+139.9% |
| Participant deferral / active EE | $9,219 | $5,948+55.0% | $5,198+77.4% | $5,851+57.6% |
| Admin fee / account holder | $1,168 | $17,112-93.2% | $13,956-91.6% | $11,601-89.9% |