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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 | $928,948 | $115,814+702.1% | $101,275+817.3% | $158,982+484.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 34.78% | 56.16%-21.4pp | 46.48%-11.7pp | 302.99%-268.2pp |
| Employer contribution / active EE | $23,740 | $4,176+468.5% | $3,660+548.6% | $4,763+398.4% |
| Participant deferral / active EE | $13,169 | $4,958+165.6% | $4,371+201.3% | $5,983+120.1% |
| Admin fee / account holder | $10,567 | $7,249+45.8% | $5,948+77.7% | $11,252-6.1% |