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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 | $343,339 | $70,366+387.9% | $66,674+415.0% | $138,895+147.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 15.20% | 386.41%-371.2pp | 321.24%-306.0pp | 145.39%-130.2pp |
| Employer contribution / active EE | $12,025 | $2,765+334.9% | $2,620+359.0% | $4,194+186.7% |
| Participant deferral / active EE | $13,912 | $4,374+218.1% | $4,084+240.6% | $6,396+117.5% |
| Admin fee / account holder | $3,186 | $5,262-39.5% | $5,098-37.5% | $12,562-74.6% |