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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 | $317,402 | $107,666+194.8% | $102,184+210.6% | $154,746+105.1% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 16.79% | 29.33%-12.5pp | 31.58%-14.8pp | 172.34%-155.5pp |
| Employer contribution / active EE | $21,766 | $3,846+465.9% | $3,594+505.7% | $4,379+397.0% |
| Participant deferral / active EE | $22,875 | $8,719+162.4% | $8,309+175.3% | $6,730+239.9% |
| Admin fee / account holder | $2,289 | $12,943-82.3% | $11,609-80.3% | $14,365-84.1% |