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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 | $320,021 | $37,156+761.3% | $83,854+281.6% | $86,983+267.9% |
| Participation rate | 77.8% | 49.1%+28.7pp | 59.1%+18.7pp | 69.5%+8.2pp |
| Annual return | 95.78% | 29.88%+65.9pp | 31.39%+64.4pp | 25.83%+69.9pp |
| Employer contribution / active EE | $1,168 | $661+76.8% | $1,017+14.8% | $2,584-54.8% |
| Participant deferral / active EE | $2,741 | $1,418+93.3% | $2,035+34.7% | $4,194-34.6% |
| Admin fee / account holder | $4,765 | $2,510+89.9% | $3,197+49.1% | $7,856-39.3% |