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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 | $274,660 | $114,119+140.7% | $107,187+156.2% | $138,895+97.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 17.76% | 273.21%-255.4pp | 204.55%-186.8pp | 145.39%-127.6pp |
| Employer contribution / active EE | $11,949 | $4,059+194.4% | $3,782+215.9% | $4,194+184.9% |
| Participant deferral / active EE | $8,015 | $5,538+44.7% | $5,096+57.3% | $6,396+25.3% |
| Admin fee / account holder | $1,245 | $10,024-87.6% | $9,162-86.4% | $12,562-90.1% |