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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 | $304,624 | $102,638+196.8% | $81,982+271.6% | $158,982+91.6% |
| Participation rate | 75.0% | 75.5%-0.5pp | 69.3%+5.7pp | 82.0%-7.0pp |
| Annual return | 88.28% | 61.05%+27.2pp | 41.31%+47.0pp | 302.99%-214.7pp |
| Employer contribution / active EE | $9,291 | $3,241+186.7% | $2,498+271.9% | $4,763+95.1% |
| Participant deferral / active EE | $17,989 | $4,649+286.9% | $3,722+383.3% | $5,983+200.6% |
| Admin fee / account holder | $8,657 | $8,237+5.1% | $5,665+52.8% | $11,252-23.1% |