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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 | $434,501 | $180,749+140.4% | $160,784+170.2% | $137,256+216.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 13.34% | 2234.46%-2221.1pp | 1803.92%-1790.6pp | 220.34%-207.0pp |
| Employer contribution / active EE | $25,686 | $4,155+518.2% | $3,733+588.1% | $4,156+518.1% |
| Participant deferral / active EE | $9,212 | $6,844+34.6% | $6,293+46.4% | $6,407+43.8% |
| Admin fee / account holder | $5,935 | $10,397-42.9% | $9,717-38.9% | $12,270-51.6% |