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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 | $395,307 | $84,236+369.3% | $170,435+131.9% | $70,126+463.7% |
| Participation rate | 97.6% | 70.8%+26.8pp | 83.6%+14.0pp | 69.5%+28.1pp |
| Annual return | 16.91% | 23.06%-6.2pp | 205.94%-189.0pp | 73.15%-56.2pp |
| Employer contribution / active EE | $19,823 | $3,387+485.2% | $5,432+264.9% | $2,343+746.2% |
| Participant deferral / active EE | $10,799 | $3,086+250.0% | $4,939+118.6% | $3,332+224.1% |
| Admin fee / account holder | $4,579 | $5,698-19.6% | $13,881-67.0% | $4,645-1.4% |