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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 | $295,050 | $168,635+75.0% | $147,617+99.9% | $125,389+135.3% |
| Participation rate | 85.7% | 88.8%-3.1pp | 84.6%+1.1pp | 83.2%+2.5pp |
| Annual return | -2.52% | 77.65%-80.2pp | 61.98%-64.5pp | 282.24%-284.8pp |
| Employer contribution / active EE | $13,318 | $6,252+113.0% | $5,564+139.3% | $4,866+173.7% |
| Participant deferral / active EE | $10,182 | $5,507+84.9% | $4,895+108.0% | $5,352+90.3% |
| Admin fee / account holder | $393 | $13,580-97.1% | $11,612-96.6% | $9,541-95.9% |