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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 | $376,830 | $183,539+105.3% | $155,556+142.2% | $145,897+158.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.20% | 61.31%-52.1pp | 64.84%-55.6pp | 552.29%-543.1pp |
| Employer contribution / active EE | $46,000 | $5,315+765.4% | $4,675+883.9% | $4,663+886.6% |
| Participant deferral / active EE | $45,500 | $6,467+603.6% | $5,631+708.1% | $6,689+580.2% |
| Admin fee / account holder | $6,280 | $19,275-67.4% | $15,885-60.5% | $13,390-53.1% |