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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 | $334,516 | $183,539+82.3% | $155,556+115.0% | $145,897+129.3% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 12.32% | 61.31%-49.0pp | 64.84%-52.5pp | 552.29%-540.0pp |
| Employer contribution / active EE | $21,262 | $5,315+300.0% | $4,675+354.8% | $4,663+356.0% |
| Participant deferral / active EE | $12,689 | $6,467+96.2% | $5,631+125.3% | $6,689+89.7% |
| Admin fee / account holder | $1,059 | $19,275-94.5% | $15,885-93.3% | $13,390-92.1% |