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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 | $181,062+153.1% | $158,223+189.7% | $155,188+195.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 15.08% | 57.39%-42.3pp | 52.09%-37.0pp | 148.84%-133.8pp |
| Employer contribution / active EE | $11,248 | $4,565+146.4% | $4,109+173.7% | $4,248+164.8% |
| Participant deferral / active EE | $14,486 | $6,134+136.1% | $5,467+165.0% | $6,531+121.8% |
| Admin fee / account holder | $7,067 | $18,825-62.5% | $16,047-56.0% | $14,480-51.2% |