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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 | $387,721 | $108,911+256.0% | $100,392+286.2% | $145,884+165.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 16.93% | 58.23%-41.3pp | 49.45%-32.5pp | 551.85%-534.9pp |
| Employer contribution / active EE | $11,692 | $4,420+164.5% | $3,941+196.6% | $4,662+150.8% |
| Participant deferral / active EE | $13,684 | $8,459+61.8% | $8,090+69.2% | $6,690+104.6% |
| Admin fee / account holder | $1,716 | $9,698-82.3% | $7,904-78.3% | $13,392-87.2% |