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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 | $443,729 | $217,432+104.1% | $185,851+138.8% | $167,553+164.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 24.58% | 148.43%-123.9pp | 122.11%-97.5pp | 478.89%-454.3pp |
| Employer contribution / active EE | $2,851 | $5,874-51.5% | $5,168-44.8% | $4,840-41.1% |
| Participant deferral / active EE | $3,800 | $6,357-40.2% | $5,569-31.8% | $6,343-40.1% |
| Admin fee / account holder | $2,132 | $19,820-89.2% | $16,245-86.9% | $12,316-82.7% |