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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 | $335,003 | $115,796+189.3% | $101,264+230.8% | $158,950+110.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 11.53% | 56.15%-44.6pp | 46.48%-34.9pp | 302.91%-291.4pp |
| Employer contribution / active EE | $7,427 | $4,175+77.9% | $3,660+102.9% | $4,762+56.0% |
| Participant deferral / active EE | $2,929 | $4,958-40.9% | $4,370-33.0% | $5,983-51.1% |
| Admin fee / account holder | $765 | $7,247-89.5% | $5,947-87.1% | $11,248-93.2% |