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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 | $287,641 | $150,435+91.2% | $120,580+138.5% | $145,897+97.2% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 13.94% | 154.60%-140.7pp | 107.48%-93.5pp | 552.29%-538.3pp |
| Employer contribution / active EE | $14,821 | $4,352+240.5% | $3,469+327.2% | $4,663+217.9% |
| Participant deferral / active EE | $11,221 | $6,174+81.8% | $4,995+124.6% | $6,689+67.8% |
| Admin fee / account holder | $11,405 | $12,182-6.4% | $9,418+21.1% | $13,390-14.8% |