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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 | $441,200 | $162,136+172.1% | $152,301+189.7% | $154,746+185.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 17.38% | 91.02%-73.6pp | 80.50%-63.1pp | 172.34%-155.0pp |
| Employer contribution / active EE | $10,723 | $4,890+119.3% | $4,624+131.9% | $4,379+144.9% |
| Participant deferral / active EE | $22,117 | $8,341+165.2% | $8,004+176.3% | $6,730+228.6% |
| Admin fee / account holder | $2,266 | $15,759-85.6% | $14,398-84.3% | $14,365-84.2% |