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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 | $282,300 | $157,270+79.5% | $141,173+100.0% | $152,870+84.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.4%+17.6pp |
| Annual return | 17.19% | 64.33%-47.1pp | 71.40%-54.2pp | 345.34%-328.2pp |
| Employer contribution / active EE | $30,092 | $5,261+471.9% | $4,735+535.5% | $4,763+531.8% |
| Participant deferral / active EE | $16,072 | $7,110+126.0% | $6,710+139.5% | $5,850+174.7% |
| Admin fee / account holder | $12,502 | $12,121+3.1% | $10,262+21.8% | $11,597+7.8% |