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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 | $129,737+194.3% | $119,126+220.5% | $154,746+146.8% |
| Participation rate | 83.3% | 78.9%+4.5pp | 75.8%+7.6pp | 80.7%+2.6pp |
| Annual return | 14.58% | 379.08%-364.5pp | 282.11%-267.5pp | 172.34%-157.8pp |
| Employer contribution / active EE | $16,342 | $4,375+273.5% | $4,034+305.1% | $4,379+273.2% |
| Participant deferral / active EE | $11,129 | $5,842+90.5% | $5,318+109.3% | $6,730+65.4% |
| Admin fee / account holder | $15,150 | $11,961+26.7% | $10,693+41.7% | $14,365+5.5% |