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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 | $405,801 | $209,336+93.9% | $197,124+105.9% | $137,256+195.7% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 20.38% | 48.09%-27.7pp | 44.34%-24.0pp | 220.34%-200.0pp |
| Employer contribution / active EE | $17,945 | $6,591+172.3% | $6,227+188.2% | $4,156+331.8% |
| Participant deferral / active EE | $21,623 | $9,614+124.9% | $9,135+136.7% | $6,407+237.5% |
| Admin fee / account holder | $33,630 | $17,308+94.3% | $16,298+106.3% | $12,270+174.1% |