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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 | $542,470 | $166,242+226.3% | $165,071+228.6% | $145,884+271.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 17.18% | 100.44%-83.3pp | 70.17%-53.0pp | 551.85%-534.7pp |
| Employer contribution / active EE | $31,502 | $5,283+496.3% | $4,347+624.6% | $4,662+575.7% |
| Participant deferral / active EE | $24,348 | $6,964+249.6% | $6,035+303.4% | $6,690+264.0% |
| Admin fee / account holder | $2,792 | $16,658-83.2% | $12,695-78.0% | $13,392-79.2% |