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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 | $255,664 | $111,830+128.6% | $93,696+172.9% | $145,884+75.3% |
| Participation rate | 92.9% | 74.2%+18.6pp | 68.7%+24.1pp | 80.3%+12.6pp |
| Annual return | 14.79% | 204.08%-189.3pp | 133.74%-119.0pp | 551.85%-537.1pp |
| Employer contribution / active EE | $11,111 | $3,093+259.2% | $2,422+358.8% | $4,662+138.3% |
| Participant deferral / active EE | $6,726 | $4,920+36.7% | $4,417+52.3% | $6,690+0.5% |
| Admin fee / account holder | $930 | $10,249-90.9% | $8,287-88.8% | $13,392-93.1% |