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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 | $284,567 | $67,823+319.6% | $52,425+442.8% | $137,256+107.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 55.6%+44.4pp | 80.0%+20.0pp |
| Annual return | 24.47% | 219.11%-194.6pp | 302.12%-277.7pp | 220.34%-195.9pp |
| Employer contribution / active EE | $10,235 | $1,163+780.1% | $914+1019.6% | $4,156+146.3% |
| Participant deferral / active EE | $14,715 | $2,288+543.2% | $1,790+721.9% | $6,407+129.7% |
| Admin fee / account holder | $6,488 | $2,844+128.1% | $2,495+160.0% | $12,270-47.1% |