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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 | $280,299 | $107,941+159.7% | $91,994+204.7% | $152,909+83.3% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 14.53% | 89.28%-74.8pp | 69.04%-54.5pp | 345.46%-330.9pp |
| Employer contribution / active EE | $10,297 | $4,212+144.5% | $3,453+198.2% | $4,764+116.1% |
| Participant deferral / active EE | $9,882 | $6,366+55.2% | $5,924+66.8% | $5,851+68.9% |
| Admin fee / account holder | $2,571 | $10,521-75.6% | $7,744-66.8% | $11,601-77.8% |