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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 | $640,734 | $165,399+287.4% | $149,745+327.9% | $158,982+303.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.46% | 348.34%-337.9pp | 276.72%-266.3pp | 302.99%-292.5pp |
| Employer contribution / active EE | $2,167 | $5,105-57.6% | $4,646-53.4% | $4,763-54.5% |
| Participant deferral / active EE | $9,018 | $7,183+25.6% | $6,843+31.8% | $5,983+50.7% |
| Admin fee / account holder | $38,340 | $10,811+254.6% | $9,312+311.7% | $11,252+240.7% |