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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 | $534,458 | $172,111+210.5% | $150,298+255.6% | $137,256+289.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 15.44% | 69.37%-53.9pp | 62.79%-47.3pp | 220.34%-204.9pp |
| Employer contribution / active EE | $24,000 | $4,636+417.7% | $4,154+477.7% | $4,156+477.5% |
| Participant deferral / active EE | $39,167 | $6,166+535.2% | $5,453+618.3% | $6,407+511.3% |
| Admin fee / account holder | $4,668 | $16,471-71.7% | $14,116-66.9% | $12,270-62.0% |