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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 | $506,199 | $108,912+364.8% | $100,383+404.3% | $145,959+246.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 16.36% | 57.96%-41.6pp | 49.26%-32.9pp | 561.95%-545.6pp |
| Employer contribution / active EE | $46,000 | $4,423+940.1% | $3,944+1066.4% | $4,661+887.0% |
| Participant deferral / active EE | $26,750 | $8,451+216.5% | $8,086+230.8% | $6,689+299.9% |
| Admin fee / account holder | $5,855 | $9,690-39.6% | $7,900-25.9% | $13,398-56.3% |