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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 | $435,178 | $165,361+163.2% | $149,715+190.7% | $158,950+173.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.57% | 348.24%-329.7pp | 276.66%-258.1pp | 302.91%-284.3pp |
| Employer contribution / active EE | $18,176 | $5,103+256.2% | $4,645+291.3% | $4,762+281.7% |
| Participant deferral / active EE | $11,574 | $7,182+61.2% | $6,842+69.2% | $5,983+93.5% |
| Admin fee / account holder | $4,360 | $10,808-59.7% | $9,310-53.2% | $11,248-61.2% |