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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 | $256,398 | $160,070+60.2% | $147,117+74.3% | $145,897+75.7% |
| Participation rate | 88.2% | 84.0%+4.2pp | 82.2%+6.1pp | 80.3%+7.9pp |
| Annual return | 19.71% | 98.69%-79.0pp | 420.54%-400.8pp | 552.29%-532.6pp |
| Employer contribution / active EE | $9,171 | $5,285+73.5% | $4,932+85.9% | $4,663+96.7% |
| Participant deferral / active EE | $8,359 | $8,419-0.7% | $8,065+3.6% | $6,689+25.0% |
| Admin fee / account holder | $3,760 | $15,035-75.0% | $12,993-71.1% | $13,390-71.9% |