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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 | $322,053 | $157,304+104.7% | $141,197+128.1% | $152,909+110.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 27.14% | 64.34%-37.2pp | 71.41%-44.3pp | 345.46%-318.3pp |
| Employer contribution / active EE | $4,162 | $5,263-20.9% | $4,736-12.1% | $4,764-12.6% |
| Participant deferral / active EE | $8,291 | $7,111+16.6% | $6,710+23.6% | $5,851+41.7% |
| Admin fee / account holder | $483 | $12,126-96.0% | $10,265-95.3% | $11,601-95.8% |