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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 | $527,538 | $159,934+229.8% | $147,005+258.9% | $145,959+261.4% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.7pp | 80.3%-8.9pp |
| Annual return | 9.75% | 98.24%-88.5pp | 418.76%-409.0pp | 561.95%-552.2pp |
| Employer contribution / active EE | $7,944 | $5,287+50.2% | $4,934+61.0% | $4,661+70.4% |
| Participant deferral / active EE | $10,330 | $8,427+22.6% | $8,070+28.0% | $6,689+54.5% |
| Admin fee / account holder | $3,784 | $15,053-74.9% | $13,006-70.9% | $13,398-71.8% |