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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 | $653,929 | $227,399+187.6% | $189,758+244.6% | $198,609+229.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 11.59% | 61.03%-49.4pp | 52.62%-41.0pp | 202.70%-191.1pp |
| Employer contribution / active EE | $2,034 | $5,526-63.2% | $4,767-57.3% | $5,055-59.8% |
| Participant deferral / active EE | $20,667 | $6,837+202.3% | $5,856+252.9% | $6,977+196.2% |
| Admin fee / account holder | $33,822 | $25,162+34.4% | $20,388+65.9% | $19,030+77.7% |