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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 | $317,580 | $98,240+223.3% | $82,312+285.8% | $147,586+115.2% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 12.58% | 30.85%-18.3pp | 25.88%-13.3pp | 578.59%-566.0pp |
| Employer contribution / active EE | $13,885 | $3,192+335.0% | $2,428+471.8% | $4,876+184.7% |
| Participant deferral / active EE | $16,502 | $4,383+276.5% | $3,706+345.3% | $5,439+203.4% |
| Admin fee / account holder | $1,053 | $8,563-87.7% | $5,608-81.2% | $10,886-90.3% |