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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 | $322,824 | $202,342+59.5% | $172,752+86.9% | $152,897+111.1% |
| Participation rate | 71.4% | 87.1%-15.6pp | 82.6%-11.2pp | 82.5%-11.0pp |
| Annual return | 34.91% | 1029.83%-994.9pp | 802.97%-768.1pp | 345.43%-310.5pp |
| Employer contribution / active EE | $3,518 | $5,858-39.9% | $5,144-31.6% | $4,764-26.1% |
| Participant deferral / active EE | $6,769 | $5,948+13.8% | $5,198+30.2% | $5,851+15.7% |
| Admin fee / account holder | $2,213 | $17,111-87.1% | $13,955-84.1% | $11,599-80.9% |