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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 | $383,863 | $112,729+240.5% | $98,716+288.9% | $137,256+179.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 13.61% | 38.48%-24.9pp | 31.81%-18.2pp | 220.34%-206.7pp |
| Employer contribution / active EE | $40,744 | $2,725+1395.0% | $2,279+1688.1% | $4,156+880.4% |
| Participant deferral / active EE | $2,500 | $4,640-46.1% | $4,048-38.2% | $6,407-61.0% |
| Admin fee / account holder | $7,387 | $10,129-27.1% | $8,703-15.1% | $12,270-39.8% |