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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 | $860,143 | $127,790+573.1% | $106,555+707.2% | $167,536+413.4% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 11.07% | 33.88%-22.8pp | 26.80%-15.7pp | 478.82%-467.7pp |
| Employer contribution / active EE | $23,513 | $3,428+586.0% | $2,819+734.0% | $4,839+385.9% |
| Participant deferral / active EE | $21,044 | $5,088+313.6% | $4,399+378.4% | $6,342+231.8% |
| Admin fee / account holder | $41,606 | $11,229+270.5% | $7,408+461.6% | $12,315+237.9% |