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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 | $367,844 | $96,388+281.6% | $80,627+356.2% | $139,466+163.8% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 21.49% | 1352.08%-1330.6pp | 936.76%-915.3pp | 373.66%-352.2pp |
| Employer contribution / active EE | $17,786 | $3,260+445.6% | $2,723+553.3% | $4,754+274.1% |
| Participant deferral / active EE | $7,558 | $5,224+44.7% | $4,443+70.1% | $6,712+12.6% |
| Admin fee / account holder | $3,461 | $6,603-47.6% | $5,381-35.7% | $11,409-69.7% |