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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 | $525,563 | $157,304+234.1% | $141,197+272.2% | $152,909+243.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.74% | 64.34%-44.6pp | 71.41%-51.7pp | 345.46%-325.7pp |
| Employer contribution / active EE | $15,757 | $5,263+199.4% | $4,736+232.7% | $4,764+230.8% |
| Participant deferral / active EE | $14,537 | $7,111+104.4% | $6,710+116.6% | $5,851+148.4% |
| Admin fee / account holder | $1,163 | $12,126-90.4% | $10,265-88.7% | $11,601-90.0% |