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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 | $429,729 | $157,304+173.2% | $141,197+204.3% | $152,909+181.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.61% | 64.34%-45.7pp | 71.41%-52.8pp | 345.46%-326.9pp |
| Employer contribution / active EE | $17,171 | $5,263+226.3% | $4,736+262.5% | $4,764+260.4% |
| Participant deferral / active EE | $10,985 | $7,111+54.5% | $6,710+63.7% | $5,851+87.7% |
| Admin fee / account holder | $2,101 | $12,126-82.7% | $10,265-79.5% | $11,601-81.9% |