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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 | $538,549 | $165,399+225.6% | $149,745+259.6% | $158,982+238.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.51% | 348.34%-337.8pp | 276.72%-266.2pp | 302.99%-292.5pp |
| Employer contribution / active EE | $5,000 | $5,105-2.1% | $4,646+7.6% | $4,763+5.0% |
| Participant deferral / active EE | $5,652 | $7,183-21.3% | $6,843-17.4% | $5,983-5.5% |
| Admin fee / account holder | $2,394 | $10,811-77.9% | $9,312-74.3% | $11,252-78.7% |