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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 | $447,112 | $156,398+185.9% | $147,318+203.5% | $138,895+221.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 12.31% | 78.75%-66.4pp | 70.43%-58.1pp | 145.39%-133.1pp |
| Employer contribution / active EE | $31,572 | $4,853+550.5% | $4,593+587.4% | $4,194+652.7% |
| Participant deferral / active EE | $6,718 | $8,237-18.4% | $7,906-15.0% | $6,396+5.0% |
| Admin fee / account holder | $30,845 | $14,976+106.0% | $13,708+125.0% | $12,562+145.5% |