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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 | $336,392 | $109,411+207.5% | $89,435+276.1% | $158,982+111.6% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 9.42% | 345.68%-336.3pp | 245.55%-236.1pp | 302.99%-293.6pp |
| Employer contribution / active EE | $13,213 | $3,173+316.5% | $2,587+410.7% | $4,763+177.4% |
| Participant deferral / active EE | $10,182 | $4,600+121.4% | $3,890+161.7% | $5,983+70.2% |
| Admin fee / account holder | $336 | $6,159-94.5% | $4,884-93.1% | $11,252-97.0% |