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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 | $304,624 | $103,038+195.6% | $90,324+237.3% | $152,909+99.2% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 20.52% | 95.25%-74.7pp | 78.15%-57.6pp | 345.46%-324.9pp |
| Employer contribution / active EE | $15,172 | $3,141+383.1% | $2,856+431.3% | $4,764+218.5% |
| Participant deferral / active EE | $15,900 | $4,282+271.3% | $3,885+309.2% | $5,851+171.7% |
| Admin fee / account holder | $1,208 | $6,177-80.5% | $5,356-77.5% | $11,601-89.6% |