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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 | $366,250 | $172,111+112.8% | $150,298+143.7% | $137,256+166.8% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 15.91% | 69.37%-53.5pp | 62.79%-46.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $17,551 | $4,636+278.5% | $4,154+322.5% | $4,156+322.3% |
| Participant deferral / active EE | $15,823 | $6,166+156.6% | $5,453+190.2% | $6,407+147.0% |
| Admin fee / account holder | $2,895 | $16,471-82.4% | $14,116-79.5% | $12,270-76.4% |