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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 | $454,645 | $115,796+292.6% | $101,264+349.0% | $158,950+186.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 17.74% | 56.15%-38.4pp | 46.48%-28.7pp | 302.91%-285.2pp |
| Employer contribution / active EE | $14,265 | $4,175+241.6% | $3,660+289.8% | $4,762+199.6% |
| Participant deferral / active EE | $13,888 | $4,958+180.1% | $4,370+217.8% | $5,983+132.1% |
| Admin fee / account holder | $2,850 | $7,247-60.7% | $5,947-52.1% | $11,248-74.7% |