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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 | $642,001 | $166,020+286.7% | $164,866+289.4% | $145,959+339.9% |
| Participation rate | 84.6% | 82.0%+2.6pp | 78.6%+6.0pp | 80.3%+4.3pp |
| Annual return | 16.35% | 100.08%-83.7pp | 69.97%-53.6pp | 561.95%-545.6pp |
| Employer contribution / active EE | $12,141 | $5,275+130.2% | $4,343+179.6% | $4,661+160.5% |
| Participant deferral / active EE | $8,791 | $6,961+26.3% | $6,033+45.7% | $6,689+31.4% |
| Admin fee / account holder | $29,939 | $16,644+79.9% | $12,689+135.9% | $13,398+123.5% |