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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 | $403,595 | $209,425+92.7% | $178,499+126.1% | $158,966+153.9% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | 54.61% | 188.80%-134.2pp | 151.10%-96.5pp | 302.95%-248.3pp |
| Employer contribution / active EE | $10,346 | $5,707+81.3% | $5,011+106.5% | $4,762+117.2% |
| Participant deferral / active EE | $10,514 | $5,955+76.6% | $5,202+102.1% | $5,983+75.7% |
| Admin fee / account holder | $4,833 | $17,078-71.7% | $13,986-65.4% | $11,250-57.0% |