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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 | $578,618 | $183,627+215.1% | $155,602+271.9% | $145,978+296.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.72% | 61.32%-44.6pp | 64.81%-48.1pp | 550.52%-533.8pp |
| Employer contribution / active EE | $13,949 | $5,316+162.4% | $4,675+198.4% | $4,662+199.2% |
| Participant deferral / active EE | $15,092 | $6,466+133.4% | $5,629+168.1% | $6,690+125.6% |
| Admin fee / account holder | $5,322 | $19,327-72.5% | $15,923-66.6% | $13,400-60.3% |