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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 | $379,791 | $100,203+279.0% | $85,240+345.6% | $145,897+160.3% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 12.18% | 84.28%-72.1pp | 66.75%-54.6pp | 552.29%-540.1pp |
| Employer contribution / active EE | $59,515 | $3,242+1735.9% | $2,735+2075.8% | $4,663+1176.4% |
| Participant deferral / active EE | $49,237 | $5,299+829.3% | $4,527+987.6% | $6,689+636.1% |
| Admin fee / account holder | $2,586 | $7,265-64.4% | $6,165-58.1% | $13,390-80.7% |