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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 | $534,363 | $107,368+397.7% | $92,915+475.1% | $152,909+249.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 20.85% | 145.64%-124.8pp | 109.45%-88.6pp | 345.46%-324.6pp |
| Employer contribution / active EE | $22,364 | $4,222+429.6% | $3,653+512.1% | $4,764+369.5% |
| Participant deferral / active EE | $16,667 | $4,848+243.8% | $4,238+293.3% | $5,851+184.8% |
| Admin fee / account holder | $1,720 | $7,082-75.7% | $5,796-70.3% | $11,601-85.2% |