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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 | $322,420 | $109,967+193.2% | $97,197+231.7% | $145,877+121.0% |
| Participation rate | 100.0% | 76.0%+24.0pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 21.48% | 244.27%-222.8pp | 75.47%-54.0pp | 551.28%-529.8pp |
| Employer contribution / active EE | $27,735 | $3,077+801.5% | $2,723+918.6% | $4,663+494.8% |
| Participant deferral / active EE | $17,088 | $4,676+265.4% | $4,263+300.8% | $6,691+155.4% |
| Admin fee / account holder | $1,048 | $6,199-83.1% | $5,637-81.4% | $13,402-92.2% |