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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 | $534,318 | $157,276+239.7% | $141,177+278.5% | $152,885+249.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.57% | 64.33%-43.8pp | 71.40%-50.8pp | 345.39%-324.8pp |
| Employer contribution / active EE | $13,042 | $5,262+147.9% | $4,736+175.4% | $4,763+173.8% |
| Participant deferral / active EE | $16,221 | $7,110+128.1% | $6,710+141.7% | $5,851+177.2% |
| Admin fee / account holder | $10,632 | $12,123-12.3% | $10,263+3.6% | $11,598-8.3% |