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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 | $387,154 | $196,972+96.6% | $182,262+112.4% | $198,609+94.9% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 15.13% | 158.27%-143.1pp | 140.60%-125.5pp | 202.70%-187.6pp |
| Employer contribution / active EE | $9,396 | $5,364+75.2% | $5,046+86.2% | $5,055+85.9% |
| Participant deferral / active EE | $5,671 | $8,643-34.4% | $8,276-31.5% | $6,977-18.7% |
| Admin fee / account holder | $11,344 | $18,429-38.4% | $16,712-32.1% | $19,030-40.4% |