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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 | $479,521 | $115,225+316.2% | $100,712+376.1% | $138,895+245.2% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 11.08% | 40.35%-29.3pp | 33.27%-22.2pp | 145.39%-134.3pp |
| Employer contribution / active EE | $15,139 | $2,771+446.3% | $2,313+554.6% | $4,194+260.9% |
| Participant deferral / active EE | $12,825 | $4,699+172.9% | $4,085+213.9% | $6,396+100.5% |
| Admin fee / account holder | $8,793 | $10,844-18.9% | $9,256-5.0% | $12,562-30.0% |