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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 | $442,292 | $175,259+152.4% | $149,723+195.4% | $139,487+217.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 17.70% | 166.82%-149.1pp | 134.50%-116.8pp | 373.84%-356.1pp |
| Employer contribution / active EE | $44,747 | $5,478+716.8% | $4,821+828.1% | $4,755+841.1% |
| Participant deferral / active EE | $14,056 | $6,522+115.5% | $5,682+147.4% | $6,713+109.4% |
| Admin fee / account holder | $3,445 | $16,158-78.7% | $13,215-73.9% | $11,407-69.8% |