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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 | $381,845 | $111,535+242.4% | $105,223+262.9% | $137,256+178.2% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 14.58% | 237.85%-223.3pp | 180.65%-166.1pp | 220.34%-205.8pp |
| Employer contribution / active EE | $16,342 | $3,939+314.8% | $3,689+343.1% | $4,156+293.2% |
| Participant deferral / active EE | $11,129 | $5,500+102.3% | $5,072+119.4% | $6,407+73.7% |
| Admin fee / account holder | $15,150 | $9,721+55.8% | $8,859+71.0% | $12,270+23.5% |