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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 | $377,394 | $114,237+230.4% | $119,258+216.5% | $167,536+125.3% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.7%+17.3pp | 82.1%+17.9pp |
| Annual return | 15.89% | 29.87%-14.0pp | 30.69%-14.8pp | 478.82%-462.9pp |
| Employer contribution / active EE | $9,657 | $4,481+115.5% | $4,384+120.3% | $4,839+99.6% |
| Participant deferral / active EE | $18,833 | $6,084+209.6% | $6,111+208.2% | $6,342+197.0% |
| Admin fee / account holder | $33,877 | $8,932+279.3% | $7,226+368.8% | $12,315+175.1% |