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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 | $275,372 | $209,422+31.5% | $178,503+54.3% | $158,982+73.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 8.69% | 188.81%-180.1pp | 151.12%-142.4pp | 302.99%-294.3pp |
| Employer contribution / active EE | $20,102 | $5,707+252.2% | $5,011+301.1% | $4,763+322.1% |
| Participant deferral / active EE | $13,000 | $5,955+118.3% | $5,202+149.9% | $5,983+117.3% |
| Admin fee / account holder | $3,946 | $17,079-76.9% | $13,987-71.8% | $11,252-64.9% |