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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 | $426,224 | $209,405+103.5% | $178,486+138.8% | $158,931+168.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 18.12% | 188.77%-170.6pp | 151.08%-133.0pp | 302.86%-284.7pp |
| Employer contribution / active EE | $11,249 | $5,707+97.1% | $5,011+124.5% | $4,761+136.2% |
| Participant deferral / active EE | $8,621 | $5,954+44.8% | $5,202+65.7% | $5,982+44.1% |
| Admin fee / account holder | $6,406 | $17,076-62.5% | $13,985-54.2% | $11,247-43.0% |