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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 | $425,037 | $201,370+111.1% | $184,256+130.7% | $145,897+191.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.28% | 29.05%-13.8pp | 28.85%-13.6pp | 552.29%-537.0pp |
| Employer contribution / active EE | $31,441 | $7,024+347.6% | $6,427+389.2% | $4,663+574.3% |
| Participant deferral / active EE | $16,917 | $9,808+72.5% | $9,133+85.2% | $6,689+152.9% |
| Admin fee / account holder | $427 | $16,364-97.4% | $13,899-96.9% | $13,390-96.8% |