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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 | $604,063 | $175,259+244.7% | $149,723+303.5% | $139,487+333.1% |
| Participation rate | 85.7% | 83.4%+2.3pp | 78.8%+6.9pp | 80.3%+5.4pp |
| Annual return | 17.42% | 166.82%-149.4pp | 134.50%-117.1pp | 373.84%-356.4pp |
| Employer contribution / active EE | $21,743 | $5,478+296.9% | $4,821+351.0% | $4,755+357.3% |
| Participant deferral / active EE | $13,038 | $6,522+99.9% | $5,682+129.4% | $6,713+94.2% |
| Admin fee / account holder | $12,406 | $16,158-23.2% | $13,215-6.1% | $11,407+8.8% |