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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 | $183,592+82.2% | $155,574+115.0% | $145,877+129.3% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 12.32% | 61.37%-49.1pp | 64.87%-52.5pp | 551.28%-539.0pp |
| Employer contribution / active EE | $21,262 | $5,317+299.9% | $4,676+354.7% | $4,663+356.0% |
| Participant deferral / active EE | $12,689 | $6,466+96.2% | $5,629+125.4% | $6,691+89.7% |
| Admin fee / account holder | $1,059 | $19,316-94.5% | $15,914-93.3% | $13,402-92.1% |