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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 | $719,930 | $227,399+216.6% | $189,758+279.4% | $198,609+262.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 17.40% | 61.03%-43.6pp | 52.62%-35.2pp | 202.70%-185.3pp |
| Employer contribution / active EE | $37,632 | $5,526+581.0% | $4,767+689.5% | $5,055+644.4% |
| Participant deferral / active EE | $21,888 | $6,837+220.1% | $5,856+273.8% | $6,977+213.7% |
| Admin fee / account holder | $92,239 | $25,162+266.6% | $20,388+352.4% | $19,030+384.7% |