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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 | $303,194 | $171,492+76.8% | $150,734+101.1% | $198,609+52.7% |
| Participation rate | 81.3% | 81.4%-0.2pp | 78.4%+2.8pp | 82.4%-1.1pp |
| Annual return | 14.02% | 804.70%-790.7pp | 600.81%-586.8pp | 202.70%-188.7pp |
| Employer contribution / active EE | $2,616 | $5,470-52.2% | $4,918-46.8% | $5,055-48.3% |
| Participant deferral / active EE | $11,096 | $6,259+77.3% | $5,610+97.8% | $6,977+59.0% |
| Admin fee / account holder | $1,223 | $17,628-93.1% | $14,905-91.8% | $19,030-93.6% |