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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 | $257,815 | $106,905+141.2% | $84,020+206.8% | $152,885+68.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 16.89% | 105.00%-88.1pp | 71.31%-54.4pp | 345.39%-328.5pp |
| Employer contribution / active EE | $1,824 | $2,735-33.3% | $1,984-8.1% | $4,763-61.7% |
| Participant deferral / active EE | $12,908 | $4,012+221.7% | $3,239+298.5% | $5,851+120.6% |
| Admin fee / account holder | $604 | $8,287-92.7% | $6,101-90.1% | $11,598-94.8% |