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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 | $364,839 | $100,895+261.6% | $90,430+303.5% | $158,950+129.5% |
| Participation rate | 92.3% | 75.0%+17.3pp | 72.7%+19.6pp | 82.0%+10.3pp |
| Annual return | 13.86% | 1725.54%-1711.7pp | 1293.73%-1279.9pp | 302.91%-289.1pp |
| Employer contribution / active EE | $9,119 | $3,689+147.2% | $3,262+179.6% | $4,762+91.5% |
| Participant deferral / active EE | $13,226 | $4,347+204.2% | $3,963+233.8% | $5,983+121.1% |
| Admin fee / account holder | $3,451 | $6,505-46.9% | $5,613-38.5% | $11,248-69.3% |