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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 | $372,272 | $175,212+112.5% | $149,682+148.7% | $139,427+167.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.79% | 166.63%-151.8pp | 134.35%-119.6pp | 373.27%-358.5pp |
| Employer contribution / active EE | $2,750 | $5,475-49.8% | $4,818-42.9% | $4,752-42.1% |
| Participant deferral / active EE | $9,213 | $6,520+41.3% | $5,681+62.2% | $6,711+37.3% |
| Admin fee / account holder | $6,687 | $16,150-58.6% | $13,210-49.4% | $11,404-41.4% |