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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 | $467,682 | $185,905+151.6% | $170,057+175.0% | $139,487+235.3% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 22.48% | 60.56%-38.1pp | 53.42%-30.9pp | 373.84%-351.4pp |
| Employer contribution / active EE | $28,579 | $7,597+276.2% | $6,790+320.9% | $4,755+501.1% |
| Participant deferral / active EE | $19,778 | $11,627+70.1% | $10,411+90.0% | $6,713+194.6% |
| Admin fee / account holder | $10,157 | $15,397-34.0% | $12,826-20.8% | $11,407-11.0% |