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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 | $535,057 | $148,558+260.2% | $135,925+293.6% | $139,427+283.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 23.47% | 79.22%-55.8pp | 68.25%-44.8pp | 373.27%-349.8pp |
| Employer contribution / active EE | $8,615 | $5,244+64.3% | $4,857+77.4% | $4,752+81.3% |
| Participant deferral / active EE | $15,813 | $8,101+95.2% | $7,759+103.8% | $6,711+135.6% |
| Admin fee / account holder | $3,337 | $12,401-73.1% | $10,764-69.0% | $11,404-70.7% |