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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 | $440,132 | $114,119+285.7% | $107,187+310.6% | $138,895+216.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 13.97% | 273.21%-259.2pp | 204.55%-190.6pp | 145.39%-131.4pp |
| Employer contribution / active EE | $4,332 | $4,059+6.7% | $3,782+14.5% | $4,194+3.3% |
| Participant deferral / active EE | $32,452 | $5,538+486.0% | $5,096+536.8% | $6,396+407.4% |
| Admin fee / account holder | $169,250 | $10,024+1588.5% | $9,162+1747.2% | $12,562+1247.3% |