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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 | $421,947 | $198,461+112.6% | $170,436+147.6% | $147,585+185.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 14.98% | 257.30%-242.3pp | 205.94%-191.0pp | 578.57%-563.6pp |
| Employer contribution / active EE | $7,092 | $6,184+14.7% | $5,433+30.5% | $4,876+45.4% |
| Participant deferral / active EE | $5,334 | $5,629-5.3% | $4,939+8.0% | $5,439-1.9% |
| Admin fee / account holder | $5,900 | $16,852-65.0% | $13,880-57.5% | $10,885-45.8% |