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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 | $445,653 | $217,427+105.0% | $185,837+139.8% | $167,518+166.0% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.30% | 148.39%-133.1pp | 122.08%-106.8pp | 478.71%-463.4pp |
| Employer contribution / active EE | $2,151 | $5,874-63.4% | $5,168-58.4% | $4,838-55.5% |
| Participant deferral / active EE | $9,567 | $6,357+50.5% | $5,568+71.8% | $6,342+50.9% |
| Admin fee / account holder | $1,357 | $19,816-93.2% | $16,241-91.6% | $12,312-89.0% |