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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 | $285,656 | $114,073+150.4% | $96,161+197.1% | $167,518+70.5% |
| Participation rate | 88.9% | 75.1%+13.8pp | 68.4%+20.4pp | 82.1%+6.8pp |
| Annual return | 15.12% | 189.95%-174.8pp | 192.01%-176.9pp | 478.71%-463.6pp |
| Employer contribution / active EE | $7,780 | $3,428+126.9% | $2,798+178.0% | $4,838+60.8% |
| Participant deferral / active EE | $4,433 | $5,195-14.7% | $4,349+1.9% | $6,342-30.1% |
| Admin fee / account holder | $2,489 | $6,899-63.9% | $5,538-55.1% | $12,312-79.8% |