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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 | $305,351 | $104,953+190.9% | $84,637+260.8% | $152,909+99.7% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 12.32% | 373.94%-361.6pp | 258.82%-246.5pp | 345.46%-333.1pp |
| Employer contribution / active EE | $1,639 | $3,304-50.4% | $2,653-38.2% | $4,764-65.6% |
| Participant deferral / active EE | $4,317 | $4,691-8.0% | $3,900+10.7% | $5,851-26.2% |
| Admin fee / account holder | $1,588 | $6,244-74.6% | $4,914-67.7% | $11,601-86.3% |