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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 | $351,619 | $106,905+228.9% | $84,020+318.5% | $152,885+130.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 19.55% | 105.00%-85.4pp | 71.31%-51.8pp | 345.39%-325.8pp |
| Employer contribution / active EE | $26,751 | $2,735+878.2% | $1,984+1248.7% | $4,763+461.6% |
| Participant deferral / active EE | $17,074 | $4,012+325.6% | $3,239+427.2% | $5,851+191.8% |
| Admin fee / account holder | $2,084 | $8,287-74.8% | $6,101-65.8% | $11,598-82.0% |