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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 | $390,544 | $176,105+121.8% | $159,474+144.9% | $167,536+133.1% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 20.94% | 331.91%-311.0pp | 263.68%-242.7pp | 478.82%-457.9pp |
| Employer contribution / active EE | $19,383 | $5,299+265.8% | $4,831+301.2% | $4,839+300.6% |
| Participant deferral / active EE | $12,368 | $7,751+59.6% | $7,353+68.2% | $6,342+95.0% |
| Admin fee / account holder | $5,841 | $12,559-53.5% | $10,802-45.9% | $12,315-52.6% |