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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 | $518,378 | $183,592+182.4% | $155,567+233.2% | $145,959+255.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 22.51% | 61.24%-38.7pp | 64.74%-42.2pp | 561.95%-539.4pp |
| Employer contribution / active EE | $30,000 | $5,315+464.5% | $4,674+541.8% | $4,661+543.7% |
| Participant deferral / active EE | $15,250 | $6,464+135.9% | $5,628+171.0% | $6,689+128.0% |
| Admin fee / account holder | $2,783 | $19,318-85.6% | $15,916-82.5% | $13,398-79.2% |