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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 | $392,945 | $157,304+149.8% | $141,197+178.3% | $152,909+157.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.48% | 64.34%-41.9pp | 71.41%-48.9pp | 345.46%-323.0pp |
| Employer contribution / active EE | $17,418 | $5,263+231.0% | $4,736+267.8% | $4,764+265.6% |
| Participant deferral / active EE | $9,509 | $7,111+33.7% | $6,710+41.7% | $5,851+62.5% |
| Admin fee / account holder | $2,363 | $12,126-80.5% | $10,265-77.0% | $11,601-79.6% |