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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 | $414,412 | $226,105+83.3% | $182,540+127.0% | $152,897+171.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 26.42% | 192.58%-166.2pp | 148.58%-122.2pp | 345.43%-319.0pp |
| Employer contribution / active EE | $18,400 | $4,978+269.6% | $4,076+351.5% | $4,764+286.3% |
| Participant deferral / active EE | $10,590 | $6,370+66.3% | $5,525+91.7% | $5,851+81.0% |
| Admin fee / account holder | $2,521 | $10,706-76.5% | $8,593-70.7% | $11,599-78.3% |