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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 | $694,529 | $154,209+350.4% | $130,062+434.0% | $139,487+397.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 13.70% | 32.52%-18.8pp | -137.37%+151.1pp | 373.84%-360.1pp |
| Employer contribution / active EE | $10,000 | $5,292+88.9% | $4,322+131.4% | $4,755+110.3% |
| Participant deferral / active EE | $15,180 | $6,709+126.3% | $5,821+160.8% | $6,713+126.1% |
| Admin fee / account holder | $5,229 | $13,988-62.6% | $10,601-50.7% | $11,407-54.2% |