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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 | $310,061 | $148,623+108.6% | $135,974+128.0% | $139,466+122.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 74.53% | 79.30%-4.8pp | 68.30%+6.2pp | 373.66%-299.1pp |
| Employer contribution / active EE | $14,821 | $5,246+182.5% | $4,859+205.0% | $4,754+211.8% |
| Participant deferral / active EE | $10,213 | $8,103+26.0% | $7,760+31.6% | $6,712+52.2% |
| Admin fee / account holder | $129,384 | $12,406+942.9% | $10,767+1101.7% | $11,409+1034.1% |