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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 | $410,400 | $209,422+96.0% | $178,503+129.9% | $158,982+158.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.11% | 188.81%-177.7pp | 151.12%-140.0pp | 302.99%-291.9pp |
| Employer contribution / active EE | $8,185 | $5,707+43.4% | $5,011+63.3% | $4,763+71.8% |
| Participant deferral / active EE | $11,038 | $5,955+85.4% | $5,202+112.2% | $5,983+84.5% |
| Admin fee / account holder | $2,494 | $17,079-85.4% | $13,987-82.2% | $11,252-77.8% |