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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 | $638,108 | $225,673+182.8% | $203,872+213.0% | $155,188+311.2% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 17.77% | 95.91%-78.1pp | 85.11%-67.3pp | 148.84%-131.1pp |
| Employer contribution / active EE | $8,598 | $4,099+109.8% | $3,757+128.8% | $4,248+102.4% |
| Participant deferral / active EE | $11,097 | $6,893+61.0% | $6,388+73.7% | $6,531+69.9% |
| Admin fee / account holder | $5,223 | $12,327-57.6% | $11,730-55.5% | $14,480-63.9% |