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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 | $500,018 | $175,212+185.4% | $149,682+234.1% | $139,427+258.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 21.37% | 166.63%-145.3pp | 134.35%-113.0pp | 373.27%-351.9pp |
| Employer contribution / active EE | $20,210 | $5,475+269.1% | $4,818+319.4% | $4,752+325.3% |
| Participant deferral / active EE | $12,666 | $6,520+94.3% | $5,681+123.0% | $6,711+88.7% |
| Admin fee / account holder | $2,436 | $16,150-84.9% | $13,210-81.6% | $11,404-78.6% |