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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 | $508,390 | $209,428+142.8% | $178,498+184.8% | $158,950+219.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 13.67% | 188.78%-175.1pp | 151.09%-137.4pp | 302.91%-289.2pp |
| Employer contribution / active EE | $5,724 | $5,707+0.3% | $5,011+14.2% | $4,762+20.2% |
| Participant deferral / active EE | $11,375 | $5,955+91.0% | $5,202+118.7% | $5,983+90.1% |
| Admin fee / account holder | $3,487 | $17,077-79.6% | $13,985-75.1% | $11,248-69.0% |