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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 | $318,947 | $106,280+200.1% | $96,538+230.4% | $139,487+128.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 120.19% | 38.48%+81.7pp | 35.74%+84.5pp | 373.84%-253.7pp |
| Employer contribution / active EE | $17,018 | $4,107+314.4% | $3,740+355.0% | $4,755+257.9% |
| Participant deferral / active EE | $21,546 | $5,457+294.8% | $4,880+341.5% | $6,713+221.0% |
| Admin fee / account holder | $978 | $7,888-87.6% | $6,737-85.5% | $11,407-91.4% |