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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 | $342,386 | $103,393+231.1% | $87,103+293.1% | $152,909+123.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 21.09% | 28.10%-7.0pp | 28.19%-7.1pp | 345.46%-324.4pp |
| Employer contribution / active EE | $19,585 | $3,221+508.0% | $2,521+676.7% | $4,764+311.1% |
| Participant deferral / active EE | $12,281 | $4,778+157.0% | $4,049+203.3% | $5,851+109.9% |
| Admin fee / account holder | $3,068 | $12,195-74.8% | $7,491-59.0% | $11,601-73.6% |