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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 | $654,470 | $217,432+201.0% | $185,849+252.2% | $167,536+290.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.55% | 148.42%-132.9pp | 122.10%-106.5pp | 478.82%-463.3pp |
| Employer contribution / active EE | $12,498 | $5,875+112.7% | $5,169+141.8% | $4,839+158.3% |
| Participant deferral / active EE | $8,346 | $6,357+31.3% | $5,569+49.9% | $6,342+31.6% |
| Admin fee / account holder | $2,789 | $19,818-85.9% | $16,244-82.8% | $12,315-77.4% |