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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 | $295,499 | $115,917+154.9% | $100,535+193.9% | $158,982+85.9% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 8.31% | 34.80%-26.5pp | 30.90%-22.6pp | 302.99%-294.7pp |
| Employer contribution / active EE | $9,954 | $4,105+142.5% | $3,419+191.2% | $4,763+109.0% |
| Participant deferral / active EE | $9,251 | $6,677+38.6% | $6,271+47.5% | $5,983+54.6% |
| Admin fee / account holder | $1,933 | $11,002-82.4% | $8,085-76.1% | $11,252-82.8% |