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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 | $415,268 | $157,304+164.0% | $141,197+194.1% | $152,909+171.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.35% | 64.34%-46.0pp | 71.41%-53.1pp | 345.46%-327.1pp |
| Employer contribution / active EE | $11,912 | $5,263+126.3% | $4,736+151.5% | $4,764+150.0% |
| Participant deferral / active EE | $7,651 | $7,111+7.6% | $6,710+14.0% | $5,851+30.8% |
| Admin fee / account holder | $7,043 | $12,126-41.9% | $10,265-31.4% | $11,601-39.3% |