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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 | $318,786 | $157,296+102.7% | $141,191+125.8% | $152,897+108.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.55% | 64.34%-41.8pp | 71.41%-48.9pp | 345.43%-322.9pp |
| Employer contribution / active EE | $15,941 | $5,262+202.9% | $4,736+236.6% | $4,764+234.7% |
| Participant deferral / active EE | $11,374 | $7,111+60.0% | $6,710+69.5% | $5,851+94.4% |
| Admin fee / account holder | $497 | $12,125-95.9% | $10,264-95.2% | $11,599-95.7% |