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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 | $254,678 | $108,882+133.9% | $96,754+163.2% | $154,746+64.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 11.78% | 98.39%-86.6pp | 82.04%-70.3pp | 172.34%-160.6pp |
| Employer contribution / active EE | $10,837 | $3,018+259.0% | $2,679+304.5% | $4,379+147.5% |
| Participant deferral / active EE | $15,302 | $5,323+187.5% | $4,758+221.6% | $6,730+127.4% |
| Admin fee / account holder | $1,917 | $10,200-81.2% | $8,905-78.5% | $14,365-86.7% |