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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 | $463,014 | $138,076+235.3% | $123,553+274.8% | $135,380+242.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | 19.78% | 153.70%-133.9pp | 119.21%-99.4pp | 519.81%-500.0pp |
| Employer contribution / active EE | $11,025 | $5,152+114.0% | $4,628+138.2% | $4,779+130.7% |
| Participant deferral / active EE | $15,491 | $6,800+127.8% | $6,426+141.1% | $5,609+176.2% |
| Admin fee / account holder | $14,854 | $10,917+36.1% | $9,284+60.0% | $10,828+37.2% |