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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 | $323,619 | $209,425+54.5% | $178,499+81.3% | $158,966+103.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 14.28% | 188.80%-174.5pp | 151.10%-136.8pp | 302.95%-288.7pp |
| Employer contribution / active EE | $10,623 | $5,707+86.1% | $5,011+112.0% | $4,762+123.1% |
| Participant deferral / active EE | $7,378 | $5,955+23.9% | $5,202+41.8% | $5,983+23.3% |
| Admin fee / account holder | $6,688 | $17,078-60.8% | $13,986-52.2% | $11,250-40.6% |