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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 | $660,911 | $115,796+470.8% | $101,264+552.7% | $158,950+315.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 15.41% | 56.15%-40.7pp | 46.48%-31.1pp | 302.91%-287.5pp |
| Employer contribution / active EE | $2,092 | $4,175-49.9% | $3,660-42.8% | $4,762-56.1% |
| Participant deferral / active EE | $6,917 | $4,958+39.5% | $4,370+58.3% | $5,983+15.6% |
| Admin fee / account holder | $6,543 | $7,247-9.7% | $5,947+10.0% | $11,248-41.8% |