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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 | $431,273 | $217,427+98.4% | $185,837+132.1% | $167,518+157.4% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.82% | 148.39%-136.6pp | 122.08%-110.3pp | 478.71%-466.9pp |
| Employer contribution / active EE | $9,500 | $5,874+61.7% | $5,168+83.8% | $4,838+96.3% |
| Participant deferral / active EE | $10,781 | $6,357+69.6% | $5,568+93.6% | $6,342+70.0% |
| Admin fee / account holder | $2,401 | $19,816-87.9% | $16,241-85.2% | $12,312-80.5% |