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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 | $832,503 | $208,088+300.1% | $186,193+347.1% | $154,746+438.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 11.34% | 89.97%-78.6pp | 78.03%-66.7pp | 172.34%-161.0pp |
| Employer contribution / active EE | $23,026 | $4,340+430.6% | $3,918+487.7% | $4,379+425.8% |
| Participant deferral / active EE | $15,344 | $7,078+116.8% | $6,513+135.6% | $6,730+128.0% |
| Admin fee / account holder | $403 | $11,698-96.6% | $11,058-96.4% | $14,365-97.2% |