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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 | $438,422 | $148,629+195.0% | $135,982+222.4% | $139,487+214.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.06% | 79.33%-61.3pp | 68.32%-50.3pp | 373.84%-355.8pp |
| Employer contribution / active EE | $27,077 | $5,247+416.1% | $4,859+457.2% | $4,755+469.5% |
| Participant deferral / active EE | $20,654 | $8,102+154.9% | $7,760+166.2% | $6,713+207.7% |
| Admin fee / account holder | $3,117 | $12,406-74.9% | $10,767-71.1% | $11,407-72.7% |