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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 | $452,323 | $217,432+108.0% | $185,849+143.4% | $167,536+170.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 10.61% | 148.42%-137.8pp | 122.10%-111.5pp | 478.82%-468.2pp |
| Employer contribution / active EE | $20,778 | $5,875+253.7% | $5,169+302.0% | $4,839+329.4% |
| Participant deferral / active EE | $8,842 | $6,357+39.1% | $5,569+58.8% | $6,342+39.4% |
| Admin fee / account holder | $1,007 | $19,818-94.9% | $16,244-93.8% | $12,315-91.8% |