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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 | $591,708 | $102,595+476.7% | $94,057+529.1% | $154,746+282.4% |
| Participation rate | 87.5% | 76.0%+11.5pp | 73.3%+14.2pp | 80.7%+6.8pp |
| Annual return | 18.70% | 583.42%-564.7pp | 480.62%-461.9pp | 172.34%-153.6pp |
| Employer contribution / active EE | $11,771 | $3,147+274.0% | $2,933+301.3% | $4,379+168.8% |
| Participant deferral / active EE | $8,100 | $5,118+58.3% | $4,709+72.0% | $6,730+20.4% |
| Admin fee / account holder | $11,092 | $7,736+43.4% | $7,244+53.1% | $14,365-22.8% |