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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 | $590,446 | $208,088+183.7% | $186,193+217.1% | $154,746+281.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 18.21% | 89.97%-71.8pp | 78.03%-59.8pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,486 | $4,340-65.8% | $3,918-62.1% | $4,379-66.1% |
| Participant deferral / active EE | $12,400 | $7,078+75.2% | $6,513+90.4% | $6,730+84.2% |
| Admin fee / account holder | $24,160 | $11,698+106.5% | $11,058+118.5% | $14,365+68.2% |