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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 | $391,964 | $165,361+137.0% | $149,715+161.8% | $158,950+146.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.47% | 348.24%-331.8pp | 276.66%-260.2pp | 302.91%-286.4pp |
| Employer contribution / active EE | $14,834 | $5,103+190.7% | $4,645+219.4% | $4,762+211.5% |
| Participant deferral / active EE | $10,785 | $7,182+50.2% | $6,842+57.6% | $5,983+80.3% |
| Admin fee / account holder | $962 | $10,808-91.1% | $9,310-89.7% | $11,248-91.4% |