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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 | $537,852 | $225,673+138.3% | $203,872+163.8% | $155,188+246.6% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 18.73% | 95.91%-77.2pp | 85.11%-66.4pp | 148.84%-130.1pp |
| Employer contribution / active EE | $22,534 | $4,099+449.8% | $3,757+499.7% | $4,248+430.5% |
| Participant deferral / active EE | $17,750 | $6,893+157.5% | $6,388+177.9% | $6,531+171.8% |
| Admin fee / account holder | $5,038 | $12,327-59.1% | $11,730-57.1% | $14,480-65.2% |