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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 | $333,576 | $157,304+112.1% | $141,197+136.2% | $152,909+118.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.49% | 64.34%-43.9pp | 71.41%-50.9pp | 345.46%-325.0pp |
| Employer contribution / active EE | $13,170 | $5,263+150.3% | $4,736+178.1% | $4,764+176.5% |
| Participant deferral / active EE | $7,841 | $7,111+10.3% | $6,710+16.9% | $5,851+34.0% |
| Admin fee / account holder | $698 | $12,126-94.2% | $10,265-93.2% | $11,601-94.0% |