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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 | $351,593 | $96,388+264.8% | $80,627+336.1% | $139,466+152.1% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 21.18% | 1352.08%-1330.9pp | 936.76%-915.6pp | 373.66%-352.5pp |
| Employer contribution / active EE | $3,297 | $3,260+1.1% | $2,723+21.1% | $4,754-30.6% |
| Participant deferral / active EE | $10,257 | $5,224+96.3% | $4,443+130.9% | $6,712+52.8% |
| Admin fee / account holder | $1,525 | $6,603-76.9% | $5,381-71.7% | $11,409-86.6% |