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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 | $732,598 | $115,917+532.0% | $100,535+628.7% | $158,982+360.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 104.80% | 34.80%+70.0pp | 30.90%+73.9pp | 302.99%-198.2pp |
| Employer contribution / active EE | $15,591 | $4,105+279.8% | $3,419+356.1% | $4,763+227.4% |
| Participant deferral / active EE | $14,232 | $6,677+113.2% | $6,271+126.9% | $5,983+137.8% |
| Admin fee / account holder | $6,775 | $11,002-38.4% | $8,085-16.2% | $11,252-39.8% |