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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 | $287,112 | $110,093+160.8% | $97,295+195.1% | $145,897+96.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 12.95% | 244.76%-231.8pp | 75.62%-62.7pp | 552.29%-539.3pp |
| Employer contribution / active EE | $5,422 | $3,077+76.2% | $2,723+99.1% | $4,663+16.3% |
| Participant deferral / active EE | $4,330 | $4,678-7.4% | $4,264+1.6% | $6,689-35.3% |
| Admin fee / account holder | $3,350 | $6,212-46.1% | $5,646-40.7% | $13,390-75.0% |