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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 | $638,094 | $232,540+174.4% | $185,117+244.7% | $147,586+332.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 22.26% | 43.03%-20.8pp | 40.50%-18.2pp | 578.59%-556.3pp |
| Employer contribution / active EE | $36,905 | $5,195+610.4% | $4,182+782.6% | $4,876+656.8% |
| Participant deferral / active EE | $24,259 | $5,834+315.8% | $5,045+380.8% | $5,439+346.0% |
| Admin fee / account holder | $1,200 | $10,275-88.3% | $8,159-85.3% | $10,886-89.0% |