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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 | $468,270 | $155,833+200.5% | $124,693+275.5% | $167,518+179.5% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 9.67% | 17.98%-8.3pp | 5144.19%-5134.5pp | 478.71%-469.0pp |
| Employer contribution / active EE | $18,794 | $4,164+351.3% | $3,324+465.4% | $4,838+288.4% |
| Participant deferral / active EE | $14,625 | $5,675+157.7% | $4,615+216.9% | $6,342+130.6% |
| Admin fee / account holder | $8,830 | $9,534-7.4% | $7,494+17.8% | $12,312-28.3% |