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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 | $458,342 | $185,312+147.3% | $161,489+183.8% | $154,746+196.2% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.08% | 103.84%-88.8pp | 89.72%-74.6pp | 172.34%-157.3pp |
| Employer contribution / active EE | $11,248 | $4,769+135.8% | $4,268+163.5% | $4,379+156.9% |
| Participant deferral / active EE | $14,486 | $6,350+128.1% | $5,630+157.3% | $6,730+115.2% |
| Admin fee / account holder | $7,067 | $18,654-62.1% | $16,006-55.8% | $14,365-50.8% |