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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 | $319,273 | $115,225+177.1% | $100,712+217.0% | $138,895+129.9% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 21.71% | 40.35%-18.6pp | 33.27%-11.6pp | 145.39%-123.7pp |
| Employer contribution / active EE | $23,706 | $2,771+755.5% | $2,313+925.1% | $4,194+465.2% |
| Participant deferral / active EE | $11,141 | $4,699+137.1% | $4,085+172.7% | $6,396+74.2% |
| Admin fee / account holder | $18,204 | $10,844+67.9% | $9,256+96.7% | $12,562+44.9% |