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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 | $271,609 | $107,353+153.0% | $92,903+192.4% | $152,885+77.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 18.47% | 145.62%-127.1pp | 109.43%-91.0pp | 345.39%-326.9pp |
| Employer contribution / active EE | $10,615 | $4,222+151.4% | $3,653+190.6% | $4,763+122.9% |
| Participant deferral / active EE | $7,329 | $4,848+51.2% | $4,238+72.9% | $5,851+25.3% |
| Admin fee / account holder | $780 | $7,081-89.0% | $5,795-86.5% | $11,598-93.3% |