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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 | $375,538 | $109,344+243.4% | $89,400+320.1% | $158,950+136.3% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 14.45% | 345.73%-331.3pp | 245.64%-231.2pp | 302.91%-288.5pp |
| Employer contribution / active EE | $8,112 | $3,170+155.9% | $2,586+213.7% | $4,762+70.3% |
| Participant deferral / active EE | $14,038 | $4,599+205.2% | $3,890+260.8% | $5,983+134.6% |
| Admin fee / account holder | $2,945 | $6,154-52.1% | $4,882-39.7% | $11,248-73.8% |