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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 | $300,930 | $111,787+169.2% | $93,681+221.2% | $145,978+106.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 9.84% | 203.52%-193.7pp | 133.47%-123.6pp | 550.52%-540.7pp |
| Employer contribution / active EE | $21,963 | $3,093+610.0% | $2,422+806.7% | $4,662+371.1% |
| Participant deferral / active EE | $14,143 | $4,918+187.6% | $4,415+220.3% | $6,690+111.4% |
| Admin fee / account holder | $5,148 | $10,256-49.8% | $8,290-37.9% | $13,400-61.6% |