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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 | $574,204 | $209,336+174.3% | $197,124+191.3% | $137,256+318.3% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 13.21% | 48.09%-34.9pp | 44.34%-31.1pp | 220.34%-207.1pp |
| Employer contribution / active EE | $29,334 | $6,591+345.1% | $6,227+371.0% | $4,156+605.8% |
| Participant deferral / active EE | $22,747 | $9,614+136.6% | $9,135+149.0% | $6,407+255.0% |
| Admin fee / account holder | $5,090 | $17,308-70.6% | $16,298-68.8% | $12,270-58.5% |