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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 | $503,982 | $217,432+131.8% | $185,851+171.2% | $167,553+200.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.90% | 148.43%-133.5pp | 122.11%-107.2pp | 478.89%-464.0pp |
| Employer contribution / active EE | $11,719 | $5,874+99.5% | $5,168+126.7% | $4,840+142.1% |
| Participant deferral / active EE | $17,492 | $6,357+175.2% | $5,569+214.1% | $6,343+175.8% |
| Admin fee / account holder | $11,282 | $19,820-43.1% | $16,245-30.6% | $12,316-8.4% |