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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 | $358,591 | $175,231+104.6% | $149,696+139.5% | $139,466+157.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.61% | 166.77%-151.2pp | 134.46%-118.8pp | 373.66%-358.0pp |
| Employer contribution / active EE | $31,414 | $5,478+473.5% | $4,821+551.6% | $4,754+560.8% |
| Participant deferral / active EE | $19,622 | $6,521+200.9% | $5,682+245.3% | $6,712+192.3% |
| Admin fee / account holder | $49,513 | $16,155+206.5% | $13,212+274.8% | $11,409+334.0% |