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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 | $410,743 | $209,422+96.1% | $178,503+130.1% | $158,982+158.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 9.29% | 188.81%-179.5pp | 151.12%-141.8pp | 302.99%-293.7pp |
| Employer contribution / active EE | $8,010 | $5,707+40.3% | $5,011+59.8% | $4,763+68.2% |
| Participant deferral / active EE | $3,510 | $5,955-41.1% | $5,202-32.5% | $5,983-41.3% |
| Admin fee / account holder | $5,012 | $17,079-70.7% | $13,987-64.2% | $11,252-55.5% |