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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 | $361,923 | $157,304+130.1% | $141,197+156.3% | $152,909+136.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 27.05% | 64.34%-37.3pp | 71.41%-44.4pp | 345.46%-318.4pp |
| Employer contribution / active EE | $19,159 | $5,263+264.1% | $4,736+304.5% | $4,764+302.2% |
| Participant deferral / active EE | $16,654 | $7,111+134.2% | $6,710+148.2% | $5,851+184.6% |
| Admin fee / account holder | $20,055 | $12,126+65.4% | $10,265+95.4% | $11,601+72.9% |