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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 | $462,186 | $183,516+151.8% | $155,534+197.2% | $145,884+216.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 23.34% | 61.43%-38.1pp | 64.92%-41.6pp | 551.85%-528.5pp |
| Employer contribution / active EE | $16,112 | $5,315+203.2% | $4,675+244.7% | $4,662+245.6% |
| Participant deferral / active EE | $11,405 | $6,467+76.4% | $5,630+102.6% | $6,690+70.5% |
| Admin fee / account holder | $3,491 | $19,293-81.9% | $15,900-78.0% | $13,392-73.9% |