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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 | $357,637 | $112,933+216.7% | $90,970+293.1% | $158,982+125.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 10.17% | 215.82%-205.7pp | 134.60%-124.4pp | 302.99%-292.8pp |
| Employer contribution / active EE | $2,985 | $2,893+3.2% | $2,122+40.7% | $4,763-37.3% |
| Participant deferral / active EE | $11,567 | $4,128+180.2% | $3,373+243.0% | $5,983+93.3% |
| Admin fee / account holder | $3,875 | $8,047-51.8% | $5,961-35.0% | $11,252-65.6% |