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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 | $486,610 | $152,619+218.8% | $125,195+288.7% | $152,909+218.2% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 19.11% | 54.85%-35.7pp | 43.79%-24.7pp | 345.46%-326.4pp |
| Employer contribution / active EE | $10,000 | $4,947+102.1% | $3,866+158.7% | $4,764+109.9% |
| Participant deferral / active EE | $11,429 | $5,869+94.7% | $4,937+131.5% | $5,851+95.3% |
| Admin fee / account holder | $33,230 | $13,437+147.3% | $9,704+242.4% | $11,601+186.4% |