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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 | $282,353 | $114,073+147.5% | $96,161+193.6% | $167,518+68.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 10.22% | 189.95%-179.7pp | 192.01%-181.8pp | 478.71%-468.5pp |
| Employer contribution / active EE | $7,040 | $3,428+105.3% | $2,798+151.6% | $4,838+45.5% |
| Participant deferral / active EE | $8,667 | $5,195+66.8% | $4,349+99.3% | $6,342+36.7% |
| Admin fee / account holder | $1,162 | $6,899-83.2% | $5,538-79.0% | $12,312-90.6% |