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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 | $555,986 | $165,399+236.1% | $149,745+271.3% | $158,982+249.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.62% | 348.34%-333.7pp | 276.72%-262.1pp | 302.99%-288.4pp |
| Employer contribution / active EE | $24,610 | $5,105+382.1% | $4,646+429.7% | $4,763+416.7% |
| Participant deferral / active EE | $16,118 | $7,183+124.4% | $6,843+135.5% | $5,983+169.4% |
| Admin fee / account holder | $7,333 | $10,811-32.2% | $9,312-21.3% | $11,252-34.8% |