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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 | $548,482 | $125,184+338.1% | $105,607+419.4% | $145,884+276.0% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 10.98% | 225.00%-214.0pp | 116.11%-105.1pp | 551.85%-540.9pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $10,832 | $5,714+89.6% | $5,011+116.2% | $6,690+61.9% |
| Admin fee / account holder | $76,679 | $17,133+347.5% | $10,958+599.8% | $13,392+472.6% |