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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 | $300,596 | $148,629+102.2% | $135,982+121.1% | $139,487+115.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 20.29% | 79.33%-59.0pp | 68.32%-48.0pp | 373.84%-353.6pp |
| Employer contribution / active EE | $23,591 | $5,247+349.6% | $4,859+385.5% | $4,755+396.2% |
| Participant deferral / active EE | $14,856 | $8,102+83.3% | $7,760+91.4% | $6,713+121.3% |
| Admin fee / account holder | $887 | $12,406-92.9% | $10,767-91.8% | $11,407-92.2% |