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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 | $288,194 | $148,629+93.9% | $135,982+111.9% | $139,487+106.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.08% | 79.33%-65.3pp | 68.32%-54.2pp | 373.84%-359.8pp |
| Employer contribution / active EE | $22,679 | $5,247+332.3% | $4,859+366.7% | $4,755+377.0% |
| Participant deferral / active EE | $16,607 | $8,102+105.0% | $7,760+114.0% | $6,713+147.4% |
| Admin fee / account holder | $679 | $12,406-94.5% | $10,767-93.7% | $11,407-94.1% |