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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 | $302,202 | $106,918+182.6% | $84,021+259.7% | $152,897+97.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 25.35% | 105.01%-79.7pp | 71.32%-46.0pp | 345.43%-320.1pp |
| Employer contribution / active EE | $13,350 | $2,735+388.1% | $1,984+573.0% | $4,764+180.3% |
| Participant deferral / active EE | $7,957 | $4,012+98.3% | $3,239+145.7% | $5,851+36.0% |
| Admin fee / account holder | $6,997 | $8,288-15.6% | $6,102+14.7% | $11,599-39.7% |