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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 | $481,823 | $124,346+287.5% | $111,308+332.9% | $167,536+187.6% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 13.80% | 37.45%-23.6pp | 54.67%-40.9pp | 478.82%-465.0pp |
| Employer contribution / active EE | $14,199 | $3,437+313.1% | $2,732+419.8% | $4,839+193.4% |
| Participant deferral / active EE | $22,769 | $5,182+339.4% | $4,487+407.4% | $6,342+259.0% |
| Admin fee / account holder | $46,596 | $10,621+338.7% | $7,965+485.0% | $12,315+278.4% |