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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 | $464,944 | $148,558+213.0% | $135,925+242.1% | $139,427+233.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 32.28% | 79.22%-46.9pp | 68.25%-36.0pp | 373.27%-341.0pp |
| Employer contribution / active EE | $31,846 | $5,244+507.3% | $4,857+555.7% | $4,752+570.2% |
| Participant deferral / active EE | $17,500 | $8,101+116.0% | $7,759+125.5% | $6,711+160.8% |
| Admin fee / account holder | $2,268 | $12,401-81.7% | $10,764-78.9% | $11,404-80.1% |