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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 | $531,915 | $166,242+220.0% | $165,071+222.2% | $145,884+264.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 20.61% | 100.44%-79.8pp | 70.17%-49.6pp | 551.85%-531.2pp |
| Employer contribution / active EE | $29,478 | $5,283+458.0% | $4,347+578.1% | $4,662+532.3% |
| Participant deferral / active EE | $21,000 | $6,964+201.5% | $6,035+248.0% | $6,690+213.9% |
| Admin fee / account holder | $38,121 | $16,658+128.8% | $12,695+200.3% | $13,392+184.7% |