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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 | $424,126 | $100,139+323.5% | $85,187+397.9% | $145,884+190.7% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 11.76% | 84.15%-72.4pp | 66.67%-54.9pp | 551.85%-540.1pp |
| Employer contribution / active EE | $19,592 | $3,238+505.1% | $2,732+617.0% | $4,662+320.2% |
| Participant deferral / active EE | $14,395 | $5,296+171.8% | $4,525+218.1% | $6,690+115.2% |
| Admin fee / account holder | $2,012 | $7,262-72.3% | $6,162-67.4% | $13,392-85.0% |