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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 | $540,894 | $115,814+367.0% | $101,275+434.1% | $158,982+240.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 17.63% | 56.16%-38.5pp | 46.48%-28.9pp | 302.99%-285.4pp |
| Employer contribution / active EE | $13,278 | $4,176+218.0% | $3,660+262.8% | $4,763+178.8% |
| Participant deferral / active EE | $8,568 | $4,958+72.8% | $4,371+96.0% | $5,983+43.2% |
| Admin fee / account holder | $2,028 | $7,249-72.0% | $5,948-65.9% | $11,252-82.0% |