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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 | $441,691 | $100,073+341.4% | $85,126+418.9% | $145,877+202.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 13.10% | 84.11%-71.0pp | 66.63%-53.5pp | 551.28%-538.2pp |
| Employer contribution / active EE | $11,989 | $3,236+270.4% | $2,731+338.9% | $4,663+157.1% |
| Participant deferral / active EE | $13,655 | $5,294+157.9% | $4,523+201.9% | $6,691+104.1% |
| Admin fee / account holder | $2,605 | $7,261-64.1% | $6,160-57.7% | $13,402-80.6% |