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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 | $415,705 | $110,307+276.9% | $96,576+330.4% | $139,456+198.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 15.18% | 26.40%-11.2pp | 25.87%-10.7pp | 373.45%-358.3pp |
| Employer contribution / active EE | $25,636 | $3,619+608.3% | $2,965+764.6% | $4,753+439.4% |
| Participant deferral / active EE | $17,500 | $5,547+215.5% | $4,851+260.8% | $6,711+160.8% |
| Admin fee / account holder | $5,539 | $11,597-52.2% | $8,253-32.9% | $11,407-51.4% |