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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 | $301,319 | $111,830+169.4% | $93,696+221.6% | $145,884+106.5% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 42.96% | 204.08%-161.1pp | 133.74%-90.8pp | 551.85%-508.9pp |
| Employer contribution / active EE | $1,176 | $3,093-62.0% | $2,422-51.5% | $4,662-74.8% |
| Participant deferral / active EE | $6,281 | $4,920+27.7% | $4,417+42.2% | $6,690-6.1% |
| Admin fee / account holder | $2,268 | $10,249-77.9% | $8,287-72.6% | $13,392-83.1% |