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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 | $296,429 | $183,539+61.5% | $155,556+90.6% | $145,897+103.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 24.04% | 61.31%-37.3pp | 64.84%-40.8pp | 552.29%-528.3pp |
| Employer contribution / active EE | $44,202 | $5,315+731.6% | $4,675+845.4% | $4,663+848.0% |
| Participant deferral / active EE | $14,592 | $6,467+125.6% | $5,631+159.1% | $6,689+118.1% |
| Admin fee / account holder | $4,471 | $19,275-76.8% | $15,885-71.9% | $13,390-66.6% |