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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 | $124,980+207.1% | $108,359+254.3% | $154,746+148.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 13.61% | 45.00%-31.4pp | 36.89%-23.3pp | 172.34%-158.7pp |
| Employer contribution / active EE | $40,744 | $2,851+1329.3% | $2,399+1598.0% | $4,379+830.4% |
| Participant deferral / active EE | $2,500 | $4,743-47.3% | $4,137-39.6% | $6,730-62.9% |
| Admin fee / account holder | $7,387 | $11,502-35.8% | $9,741-24.2% | $14,365-48.6% |