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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 | $384,135 | $165,361+132.3% | $149,715+156.6% | $158,950+141.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 24.17% | 348.24%-324.1pp | 276.66%-252.5pp | 302.91%-278.7pp |
| Employer contribution / active EE | $6,165 | $5,103+20.8% | $4,645+32.7% | $4,762+29.5% |
| Participant deferral / active EE | $6,641 | $7,182-7.5% | $6,842-2.9% | $5,983+11.0% |
| Admin fee / account holder | $37,155 | $10,808+243.8% | $9,310+299.1% | $11,248+230.3% |