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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 | $724,885 | $178,174+306.8% | $156,181+364.1% | $137,256+428.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 16.63% | 84.19%-67.6pp | 64.87%-48.2pp | 220.34%-203.7pp |
| Employer contribution / active EE | $22,830 | $4,972+359.2% | $4,294+431.7% | $4,156+449.3% |
| Participant deferral / active EE | $11,567 | $6,888+67.9% | $6,132+88.6% | $6,407+80.5% |
| Admin fee / account holder | $64,377 | $17,404+269.9% | $14,586+341.4% | $12,270+424.7% |