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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 | $159,978+85.8% | $147,041+102.2% | $145,978+103.6% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 14.08% | 98.36%-84.3pp | 419.21%-405.1pp | 550.52%-536.4pp |
| Employer contribution / active EE | $3,230 | $5,288-38.9% | $4,935-34.5% | $4,662-30.7% |
| Participant deferral / active EE | $13,075 | $8,429+55.1% | $8,071+62.0% | $6,690+95.5% |
| Admin fee / account holder | $12,158 | $15,053-19.2% | $13,006-6.5% | $13,400-9.3% |