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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 | $677,885 | $176,838+283.3% | $146,685+362.1% | $167,518+304.7% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 14.85% | 24.04%-9.2pp | 22.75%-7.9pp | 478.71%-463.9pp |
| Employer contribution / active EE | $25,729 | $5,161+398.5% | $4,137+521.9% | $4,838+431.7% |
| Participant deferral / active EE | $11,757 | $6,441+82.5% | $5,507+113.5% | $6,342+85.4% |
| Admin fee / account holder | $5,420 | $13,262-59.1% | $10,281-47.3% | $12,312-56.0% |