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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 | $326,791 | $111,535+193.0% | $105,223+210.6% | $137,256+138.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.22% | 237.85%-220.6pp | 180.65%-163.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $6,888 | $3,939+74.9% | $3,689+86.7% | $4,156+65.7% |
| Participant deferral / active EE | $7,270 | $5,500+32.2% | $5,072+43.4% | $6,407+13.5% |
| Admin fee / account holder | $3,572 | $9,721-63.3% | $8,859-59.7% | $12,270-70.9% |