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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 | $446,882 | $110,379+304.9% | $102,412+336.4% | $145,884+206.3% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 16.48% | 24.84%-8.4pp | 24.94%-8.5pp | 551.85%-535.4pp |
| Employer contribution / active EE | $8,329 | $4,216+97.5% | $3,870+115.2% | $4,662+78.6% |
| Participant deferral / active EE | $16,414 | $5,622+192.0% | $5,060+224.4% | $6,690+145.4% |
| Admin fee / account holder | $5,148 | $9,745-47.2% | $8,388-38.6% | $13,392-61.6% |