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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 | $402,572 | $183,539+119.3% | $155,556+158.8% | $145,897+175.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 17.08% | 61.31%-44.2pp | 64.84%-47.8pp | 552.29%-535.2pp |
| Employer contribution / active EE | $23,221 | $5,315+336.9% | $4,675+396.7% | $4,663+398.0% |
| Participant deferral / active EE | $18,821 | $6,467+191.0% | $5,631+234.3% | $6,689+181.4% |
| Admin fee / account holder | $3,001 | $19,275-84.4% | $15,885-81.1% | $13,390-77.6% |