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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 | $498,463 | $172,111+189.6% | $150,298+231.7% | $137,256+263.2% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 23.31% | 69.37%-46.1pp | 62.79%-39.5pp | 220.34%-197.0pp |
| Employer contribution / active EE | $18,582 | $4,636+300.8% | $4,154+347.3% | $4,156+347.1% |
| Participant deferral / active EE | $20,000 | $6,166+224.4% | $5,453+266.8% | $6,407+212.2% |
| Admin fee / account holder | $21,755 | $16,471+32.1% | $14,116+54.1% | $12,270+77.3% |