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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 | $338,576 | $148,629+127.8% | $135,982+149.0% | $139,487+142.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 23.44% | 79.33%-55.9pp | 68.32%-44.9pp | 373.84%-350.4pp |
| Employer contribution / active EE | $16,591 | $5,247+216.2% | $4,859+241.4% | $4,755+248.9% |
| Participant deferral / active EE | $10,000 | $8,102+23.4% | $7,760+28.9% | $6,713+49.0% |
| Admin fee / account holder | $2,393 | $12,406-80.7% | $10,767-77.8% | $11,407-79.0% |