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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 | $332,097 | $183,539+80.9% | $155,556+113.5% | $145,897+127.6% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 51.56% | 61.31%-9.7pp | 64.84%-13.3pp | 552.29%-500.7pp |
| Employer contribution / active EE | $2,838 | $5,315-46.6% | $4,675-39.3% | $4,663-39.1% |
| Participant deferral / active EE | $9,445 | $6,467+46.1% | $5,631+67.7% | $6,689+41.2% |
| Admin fee / account holder | $927 | $19,275-95.2% | $15,885-94.2% | $13,390-93.1% |