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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 | $627,086 | $171,492+265.7% | $150,734+316.0% | $198,609+215.7% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 12.39% | 804.70%-792.3pp | 600.81%-588.4pp | 202.70%-190.3pp |
| Employer contribution / active EE | $13,318 | $5,470+143.5% | $4,918+170.8% | $5,055+163.4% |
| Participant deferral / active EE | $18,928 | $6,259+202.4% | $5,610+237.4% | $6,977+171.3% |
| Admin fee / account holder | $2,940 | $17,628-83.3% | $14,905-80.3% | $19,030-84.6% |