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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 | $332,683 | $106,923+211.1% | $84,023+295.9% | $152,909+117.6% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 14.67% | 105.02%-90.3pp | 71.32%-56.6pp | 345.46%-330.8pp |
| Employer contribution / active EE | $10,135 | $2,735+270.5% | $1,984+410.9% | $4,764+112.8% |
| Participant deferral / active EE | $7,388 | $4,013+84.1% | $3,239+128.1% | $5,851+26.3% |
| Admin fee / account holder | $3,669 | $8,289-55.7% | $6,102-39.9% | $11,601-68.4% |