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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 | $319,365 | $201,372+58.6% | $184,260+73.3% | $145,884+118.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.14% | 29.04%-10.9pp | 28.84%-10.7pp | 551.85%-533.7pp |
| Employer contribution / active EE | $31,036 | $7,024+341.9% | $6,427+382.9% | $4,662+565.7% |
| Participant deferral / active EE | $12,165 | $9,808+24.0% | $9,133+33.2% | $6,690+81.8% |
| Admin fee / account holder | $52,518 | $16,362+221.0% | $13,898+277.9% | $13,392+292.2% |