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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 | $357,664 | $196,972+81.6% | $182,262+96.2% | $198,609+80.1% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 14.27% | 158.27%-144.0pp | 140.60%-126.3pp | 202.70%-188.4pp |
| Employer contribution / active EE | $12,554 | $5,364+134.1% | $5,046+148.8% | $5,055+148.3% |
| Participant deferral / active EE | $14,322 | $8,643+65.7% | $8,276+73.0% | $6,977+105.3% |
| Admin fee / account holder | $62,000 | $18,429+236.4% | $16,712+271.0% | $19,030+225.8% |