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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 | $298,165 | $157,304+89.5% | $141,197+111.2% | $152,909+95.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.13% | 64.34%-44.2pp | 71.41%-51.3pp | 345.46%-325.3pp |
| Employer contribution / active EE | $8,026 | $5,263+52.5% | $4,736+69.5% | $4,764+68.5% |
| Participant deferral / active EE | $8,439 | $7,111+18.7% | $6,710+25.8% | $5,851+44.2% |
| Admin fee / account holder | $3,272 | $12,126-73.0% | $10,265-68.1% | $11,601-71.8% |