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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 | $148,629+212.8% | $135,982+241.9% | $139,487+233.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 32.28% | 79.33%-47.1pp | 68.32%-36.0pp | 373.84%-341.6pp |
| Employer contribution / active EE | $31,846 | $5,247+507.0% | $4,859+555.4% | $4,755+569.8% |
| Participant deferral / active EE | $17,500 | $8,102+116.0% | $7,760+125.5% | $6,713+160.7% |
| Admin fee / account holder | $2,268 | $12,406-81.7% | $10,767-78.9% | $11,407-80.1% |