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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 | $258,973 | $107,363+141.2% | $92,909+178.7% | $152,897+69.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 22.07% | 145.63%-123.6pp | 109.44%-87.4pp | 345.43%-323.4pp |
| Employer contribution / active EE | $16,958 | $4,222+301.7% | $3,653+364.2% | $4,764+256.0% |
| Participant deferral / active EE | $14,987 | $4,848+209.1% | $4,238+253.6% | $5,851+156.1% |
| Admin fee / account holder | $2,507 | $7,082-64.6% | $5,795-56.7% | $11,599-78.4% |