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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 | $313,207 | $217,427+44.1% | $185,837+68.5% | $167,518+87.0% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 17.77% | 148.39%-130.6pp | 122.08%-104.3pp | 478.71%-460.9pp |
| Employer contribution / active EE | $11,026 | $5,874+87.7% | $5,168+113.4% | $4,838+127.9% |
| Participant deferral / active EE | $5,611 | $6,357-11.7% | $5,568+0.8% | $6,342-11.5% |
| Admin fee / account holder | $3,821 | $19,816-80.7% | $16,241-76.5% | $12,312-69.0% |