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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 | $323,696 | $172,111+88.1% | $150,298+115.4% | $137,256+135.8% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 20.61% | 69.37%-48.8pp | 62.79%-42.2pp | 220.34%-199.7pp |
| Employer contribution / active EE | $1,562 | $4,636-66.3% | $4,154-62.4% | $4,156-62.4% |
| Participant deferral / active EE | $4,306 | $6,166-30.2% | $5,453-21.0% | $6,407-32.8% |
| Admin fee / account holder | $8,320 | $16,471-49.5% | $14,116-41.1% | $12,270-32.2% |