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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 | $323,974 | $90,691+257.2% | $76,119+325.6% | $145,884+122.1% |
| Participation rate | 80.0% | 74.5%+5.5pp | 69.1%+10.9pp | 80.3%-0.3pp |
| Annual return | 13.31% | 624.52%-611.2pp | 361.25%-347.9pp | 551.85%-538.5pp |
| Employer contribution / active EE | $5,206 | $3,329+56.4% | $2,693+93.3% | $4,662+11.7% |
| Participant deferral / active EE | $9,372 | $5,167+81.4% | $4,259+120.0% | $6,690+40.1% |
| Admin fee / account holder | $75,160 | $8,383+796.6% | $6,421+1070.5% | $13,392+461.2% |