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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 | $505,065 | $106,008+376.4% | $92,240+447.6% | $147,586+242.2% |
| Participation rate | 85.7% | 80.4%+5.3pp | 76.5%+9.2pp | 82.8%+2.9pp |
| Annual return | 18.35% | 50.05%-31.7pp | 176.29%-157.9pp | 578.59%-560.2pp |
| Employer contribution / active EE | $3,728 | $4,333-14.0% | $3,680+1.3% | $4,876-23.6% |
| Participant deferral / active EE | $8,014 | $4,478+78.9% | $3,897+105.6% | $5,439+47.3% |
| Admin fee / account holder | $426 | $6,333-93.3% | $5,194-91.8% | $10,886-96.1% |