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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 | $421,303 | $99,652+322.8% | $78,778+434.8% | $147,585+185.5% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 13.05% | 47.28%-34.2pp | 35.62%-22.6pp | 578.58%-565.5pp |
| Employer contribution / active EE | $2,181 | $2,796-22.0% | $1,986+9.8% | $4,876-55.3% |
| Participant deferral / active EE | $10,663 | $3,664+191.0% | $2,958+260.4% | $5,439+96.0% |
| Admin fee / account holder | $14,542 | $7,155+103.2% | $5,134+183.3% | $10,886+33.6% |