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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 | $447,047 | $176,786+152.9% | $146,643+204.9% | $167,536+166.8% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.32% | 24.04%-10.7pp | 22.75%-9.4pp | 478.82%-465.5pp |
| Employer contribution / active EE | $30,156 | $5,161+484.3% | $4,137+629.0% | $4,839+523.2% |
| Participant deferral / active EE | $13,524 | $6,440+110.0% | $5,506+145.6% | $6,342+113.2% |
| Admin fee / account holder | $5,307 | $13,262-60.0% | $10,280-48.4% | $12,315-56.9% |