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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 | $297,263 | $160,040+85.7% | $147,096+102.1% | $145,877+103.8% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 14.08% | 98.49%-84.4pp | 419.75%-405.7pp | 551.28%-537.2pp |
| Employer contribution / active EE | $3,230 | $5,289-38.9% | $4,936-34.6% | $4,663-30.7% |
| Participant deferral / active EE | $13,075 | $8,429+55.1% | $8,071+62.0% | $6,691+95.4% |
| Admin fee / account holder | $12,158 | $15,050-19.2% | $13,005-6.5% | $13,402-9.3% |