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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 | $373,947 | $110,801+237.5% | $86,615+331.7% | $167,536+123.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 71.6%+28.4pp | 82.1%+17.9pp |
| Annual return | 12.18% | 116.96%-104.8pp | 63.51%-51.3pp | 478.82%-466.6pp |
| Employer contribution / active EE | $1,033 | $3,245-68.2% | $2,496-58.6% | $4,839-78.7% |
| Participant deferral / active EE | $5,433 | $4,547+19.5% | $3,699+46.9% | $6,342-14.3% |
| Admin fee / account holder | $834 | $8,417-90.1% | $5,830-85.7% | $12,315-93.2% |