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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 | $371,545 | $217,432+70.9% | $185,849+99.9% | $167,536+121.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.28% | 148.42%-132.1pp | 122.10%-105.8pp | 478.82%-462.5pp |
| Employer contribution / active EE | $22,000 | $5,875+274.5% | $5,169+325.7% | $4,839+354.6% |
| Participant deferral / active EE | $18,293 | $6,357+187.7% | $5,569+228.5% | $6,342+188.4% |
| Admin fee / account holder | $2,624 | $19,818-86.8% | $16,244-83.8% | $12,315-78.7% |