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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 | $338,062 | $157,304+114.9% | $141,197+139.4% | $152,909+121.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 26.07% | 64.34%-38.3pp | 71.41%-45.3pp | 345.46%-319.4pp |
| Employer contribution / active EE | $23,258 | $5,263+341.9% | $4,736+391.1% | $4,764+388.2% |
| Participant deferral / active EE | $21,378 | $7,111+200.6% | $6,710+218.6% | $5,851+265.3% |
| Admin fee / account holder | $13,562 | $12,126+11.8% | $10,265+32.1% | $11,601+16.9% |