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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 | $442,560 | $183,627+141.0% | $155,602+184.4% | $145,978+203.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.32% | 61.32%-50.0pp | 64.81%-53.5pp | 550.52%-539.2pp |
| Employer contribution / active EE | $26,584 | $5,316+400.1% | $4,675+468.6% | $4,662+470.3% |
| Participant deferral / active EE | $18,367 | $6,466+184.1% | $5,629+226.3% | $6,690+174.6% |
| Admin fee / account holder | $18,276 | $19,327-5.4% | $15,923+14.8% | $13,400+36.4% |