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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 | $279,949 | $176,402+58.7% | $134,162+108.7% | $158,982+76.1% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 5.73% | 63.66%-57.9pp | 36.35%-30.6pp | 302.99%-297.3pp |
| Employer contribution / active EE | $30,079 | $5,042+496.5% | $3,705+711.8% | $4,763+531.5% |
| Participant deferral / active EE | $19,500 | $4,093+376.5% | $3,500+457.2% | $5,983+225.9% |
| Admin fee / account holder | $1,449 | $8,719-83.4% | $6,685-78.3% | $11,252-87.1% |