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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 | $324,961 | $171,492+89.5% | $150,734+115.6% | $198,609+63.6% |
| Participation rate | 90.0% | 81.4%+8.6pp | 78.4%+11.6pp | 82.4%+7.6pp |
| Annual return | 18.43% | 804.70%-786.3pp | 600.81%-582.4pp | 202.70%-184.3pp |
| Employer contribution / active EE | $1,680 | $5,470-69.3% | $4,918-65.8% | $5,055-66.8% |
| Participant deferral / active EE | $5,209 | $6,259-16.8% | $5,610-7.1% | $6,977-25.3% |
| Admin fee / account holder | $7,026 | $17,628-60.1% | $14,905-52.9% | $19,030-63.1% |