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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 | $543,952 | $175,231+210.4% | $149,696+263.4% | $139,466+290.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.65% | 166.77%-147.1pp | 134.46%-114.8pp | 373.66%-354.0pp |
| Employer contribution / active EE | $14,124 | $5,478+157.8% | $4,821+193.0% | $4,754+197.1% |
| Participant deferral / active EE | $19,363 | $6,521+196.9% | $5,682+240.8% | $6,712+188.5% |
| Admin fee / account holder | $10,343 | $16,155-36.0% | $13,212-21.7% | $11,409-9.3% |