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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 | $506,100 | $165,381+206.0% | $149,730+238.0% | $158,966+218.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.91% | 348.29%-337.4pp | 276.70%-265.8pp | 302.95%-292.0pp |
| Employer contribution / active EE | $15,885 | $5,104+211.2% | $4,645+242.0% | $4,762+233.5% |
| Participant deferral / active EE | $16,807 | $7,182+134.0% | $6,843+145.6% | $5,983+180.9% |
| Admin fee / account holder | $3,244 | $10,809-70.0% | $9,310-65.2% | $11,250-71.2% |