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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 | $420,510 | $107,363+291.7% | $92,909+352.6% | $152,897+175.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 23.13% | 145.63%-122.5pp | 109.44%-86.3pp | 345.43%-322.3pp |
| Employer contribution / active EE | $9,375 | $4,222+122.0% | $3,653+156.6% | $4,764+96.8% |
| Participant deferral / active EE | $9,740 | $4,848+100.9% | $4,238+129.8% | $5,851+66.5% |
| Admin fee / account holder | $498 | $7,082-93.0% | $5,795-91.4% | $11,599-95.7% |