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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 | $317,781 | $165,399+92.1% | $149,745+112.2% | $158,982+99.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.10% | 348.34%-332.2pp | 276.72%-260.6pp | 302.99%-286.9pp |
| Employer contribution / active EE | $17,495 | $5,105+242.7% | $4,646+276.6% | $4,763+267.3% |
| Participant deferral / active EE | $13,289 | $7,183+85.0% | $6,843+94.2% | $5,983+122.1% |
| Admin fee / account holder | $2,363 | $10,811-78.1% | $9,312-74.6% | $11,252-79.0% |