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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 | $317,181 | $72,071+340.1% | $68,368+363.9% | $137,256+131.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 57.78% | 353.14%-295.4pp | 292.57%-234.8pp | 220.34%-162.6pp |
| Employer contribution / active EE | $1,095 | $2,788-60.7% | $2,649-58.7% | $4,156-73.7% |
| Participant deferral / active EE | $26,625 | $4,410+503.7% | $4,123+545.8% | $6,407+315.6% |
| Admin fee / account holder | $888 | $5,336-83.4% | $5,150-82.8% | $12,270-92.8% |