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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 | $269,302 | $90,614+197.2% | $76,089+253.9% | $145,877+84.6% |
| Participation rate | 73.7% | 74.5%-0.8pp | 69.1%+4.6pp | 80.3%-6.6pp |
| Annual return | 8.99% | 623.80%-614.8pp | 360.94%-352.0pp | 551.28%-542.3pp |
| Employer contribution / active EE | $3,230 | $3,324-2.8% | $2,690+20.1% | $4,663-30.7% |
| Participant deferral / active EE | $8,102 | $5,168+56.8% | $4,259+90.2% | $6,691+21.1% |
| Admin fee / account holder | $14,255 | $8,376+70.2% | $6,418+122.1% | $13,402+6.4% |