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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 | $537,137 | $95,664+461.5% | $76,902+598.5% | $139,487+285.1% |
| Participation rate | 100.0% | 74.0%+26.0pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 15.05% | 55.03%-40.0pp | 37.91%-22.9pp | 373.84%-358.8pp |
| Employer contribution / active EE | $41,217 | $3,147+1209.8% | $2,534+1526.6% | $4,755+766.9% |
| Participant deferral / active EE | $19,226 | $4,626+315.6% | $3,833+401.5% | $6,713+186.4% |
| Admin fee / account holder | $2,471 | $8,311-70.3% | $5,479-54.9% | $11,407-78.3% |