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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 | $275,219 | $115,814+137.6% | $101,275+171.8% | $158,982+73.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 12.42% | 56.16%-43.7pp | 46.48%-34.1pp | 302.99%-290.6pp |
| Employer contribution / active EE | $17,452 | $4,176+318.0% | $3,660+376.8% | $4,763+266.4% |
| Participant deferral / active EE | $17,459 | $4,958+252.1% | $4,371+299.5% | $5,983+191.8% |
| Admin fee / account holder | $21,983 | $7,249+203.3% | $5,948+269.6% | $11,252+95.4% |