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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 | $483,427 | $217,432+122.3% | $185,849+160.1% | $167,536+188.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.02% | 148.42%-136.4pp | 122.10%-110.1pp | 478.82%-466.8pp |
| Employer contribution / active EE | $13,996 | $5,875+138.2% | $5,169+170.8% | $4,839+189.2% |
| Participant deferral / active EE | $8,660 | $6,357+36.2% | $5,569+55.5% | $6,342+36.5% |
| Admin fee / account holder | $10,312 | $19,818-48.0% | $16,244-36.5% | $12,315-16.3% |