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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 | $390,330 | $155,840+150.5% | $124,694+213.0% | $167,553+133.0% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 11.09% | 17.98%-6.9pp | 5144.82%-5133.7pp | 478.89%-467.8pp |
| Employer contribution / active EE | $25,848 | $4,165+520.6% | $3,325+677.5% | $4,840+434.1% |
| Participant deferral / active EE | $4,435 | $5,675-21.8% | $4,615-3.9% | $6,343-30.1% |
| Admin fee / account holder | $131,959 | $9,536+1283.9% | $7,495+1660.6% | $12,316+971.4% |