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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 | $461,481 | $228,352+102.1% | $185,835+148.3% | $158,966+190.3% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 14.31% | 40.81%-26.5pp | 35.96%-21.6pp | 302.95%-288.6pp |
| Employer contribution / active EE | $20,239 | $4,967+307.5% | $4,087+395.2% | $4,762+325.0% |
| Participant deferral / active EE | $15,714 | $6,416+144.9% | $5,633+179.0% | $5,983+162.6% |
| Admin fee / account holder | $2,658 | $11,867-77.6% | $9,502-72.0% | $11,250-76.4% |