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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 | $819,200 | $183,539+346.3% | $155,556+426.6% | $145,897+461.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.85% | 61.31%-48.5pp | 64.84%-52.0pp | 552.29%-539.4pp |
| Employer contribution / active EE | $27,234 | $5,315+412.4% | $4,675+482.5% | $4,663+484.1% |
| Participant deferral / active EE | $21,485 | $6,467+232.2% | $5,631+281.6% | $6,689+221.2% |
| Admin fee / account holder | $4,252 | $19,275-77.9% | $15,885-73.2% | $13,390-68.2% |