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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 | $323,298 | $198,457+62.9% | $170,435+89.7% | $147,586+119.1% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 10.29% | 257.30%-247.0pp | 205.94%-195.6pp | 578.59%-568.3pp |
| Employer contribution / active EE | $4,911 | $6,183-20.6% | $5,432-9.6% | $4,876+0.7% |
| Participant deferral / active EE | $11,966 | $5,629+112.6% | $4,939+142.3% | $5,439+120.0% |
| Admin fee / account holder | $60,204 | $16,852+257.2% | $13,881+333.7% | $10,886+453.1% |