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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 | $269,222 | $112,131+140.1% | $95,964+180.5% | $158,982+69.3% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 23.74% | 171.19%-147.5pp | 91.64%-67.9pp | 302.99%-279.3pp |
| Employer contribution / active EE | $9,551 | $3,199+198.5% | $2,541+275.8% | $4,763+100.5% |
| Participant deferral / active EE | $8,623 | $4,784+80.2% | $4,167+106.9% | $5,983+44.1% |
| Admin fee / account holder | $1,147 | $10,136-88.7% | $6,797-83.1% | $11,252-89.8% |