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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 | $573,978 | $115,225+398.1% | $100,712+469.9% | $138,895+313.2% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 149.41% | 40.35%+109.1pp | 33.27%+116.1pp | 145.39%+4.0pp |
| Employer contribution / active EE | $3,498 | $2,771+26.2% | $2,313+51.2% | $4,194-16.6% |
| Participant deferral / active EE | $11,750 | $4,699+150.0% | $4,085+187.6% | $6,396+83.7% |
| Admin fee / account holder | $3,938 | $10,844-63.7% | $9,256-57.5% | $12,562-68.7% |