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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 | $348,253 | $117,444+196.5% | $99,479+250.1% | $152,909+127.8% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 26.58% | 31.87%-5.3pp | 30.72%-4.1pp | 345.46%-318.9pp |
| Employer contribution / active EE | $4,791 | $3,014+59.0% | $2,540+88.6% | $4,764+0.6% |
| Participant deferral / active EE | $19,854 | $4,086+385.8% | $3,619+448.6% | $5,851+239.3% |
| Admin fee / account holder | $685 | $7,635-91.0% | $6,253-89.0% | $11,601-94.1% |