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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 | $480,232 | $112,935+325.2% | $90,970+427.9% | $158,966+202.1% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 11.85% | 215.79%-203.9pp | 134.58%-122.7pp | 302.95%-291.1pp |
| Employer contribution / active EE | $1,933 | $2,895-33.2% | $2,122-8.9% | $4,762-59.4% |
| Participant deferral / active EE | $13,257 | $4,129+221.1% | $3,373+293.0% | $5,983+121.6% |
| Admin fee / account holder | $3,379 | $8,045-58.0% | $5,960-43.3% | $11,250-70.0% |