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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 | $439,306 | $152,612+187.9% | $125,192+250.9% | $152,897+187.3% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.76% | 54.85%-36.1pp | 43.79%-25.0pp | 345.43%-326.7pp |
| Employer contribution / active EE | $44,800 | $4,947+805.6% | $3,866+1058.8% | $4,764+840.5% |
| Participant deferral / active EE | $2,400 | $5,868-59.1% | $4,937-51.4% | $5,851-59.0% |
| Admin fee / account holder | $38,761 | $13,437+188.5% | $9,704+299.4% | $11,599+234.2% |