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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 | $410,016 | $125,184+227.5% | $105,607+288.2% | $145,884+181.1% |
| Participation rate | 75.0% | 77.6%-2.6pp | 75.3%-0.3pp | 80.3%-5.3pp |
| Annual return | 8.65% | 225.00%-216.4pp | 116.11%-107.5pp | 551.85%-543.2pp |
| Employer contribution / active EE | $12,191 | $3,720+227.7% | $3,167+284.9% | $4,662+161.5% |
| Participant deferral / active EE | $9,596 | $5,714+67.9% | $5,011+91.5% | $6,690+43.4% |
| Admin fee / account holder | $3,514 | $17,133-79.5% | $10,958-67.9% | $13,392-73.8% |