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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 | $296,570 | $132,634+123.6% | $115,768+156.2% | $137,256+116.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 13.11% | 160.70%-147.6pp | 100.46%-87.4pp | 220.34%-207.2pp |
| Employer contribution / active EE | $53,528 | $3,360+1493.3% | $2,940+1720.8% | $4,156+1188.0% |
| Participant deferral / active EE | $37,775 | $5,619+572.3% | $4,917+668.3% | $6,407+489.6% |
| Admin fee / account holder | $8,261 | $15,028-45.0% | $12,439-33.6% | $12,270-32.7% |