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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 | $266,998 | $124,336+114.7% | $111,303+139.9% | $167,518+59.4% |
| Participation rate | 88.9% | 79.6%+9.3pp | 77.3%+11.6pp | 82.1%+6.8pp |
| Annual return | 10.47% | 37.45%-27.0pp | 54.66%-44.2pp | 478.71%-468.2pp |
| Employer contribution / active EE | $11,258 | $3,436+227.6% | $2,731+312.2% | $4,838+132.7% |
| Participant deferral / active EE | $5,778 | $5,181+11.5% | $4,487+28.8% | $6,342-8.9% |
| Admin fee / account holder | $1,652 | $10,623-84.4% | $7,966-79.3% | $12,312-86.6% |