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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 | $321,155 | $109,863+192.3% | $98,477+226.1% | $167,518+91.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 11.93% | 1958.09%-1946.2pp | 1493.59%-1481.7pp | 478.71%-466.8pp |
| Employer contribution / active EE | $1,804 | $3,225-44.1% | $2,961-39.1% | $4,838-62.7% |
| Participant deferral / active EE | $3,599 | $4,673-23.0% | $4,276-15.8% | $6,342-43.3% |
| Admin fee / account holder | $8,392 | $6,755+24.2% | $5,951+41.0% | $12,312-31.8% |