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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 | $288,888 | $114,013+153.4% | $103,693+178.6% | $155,188+86.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 16.07% | 49.31%-33.2pp | 47.61%-31.5pp | 148.84%-132.8pp |
| Employer contribution / active EE | $20,914 | $3,131+567.9% | $2,920+616.1% | $4,248+392.3% |
| Participant deferral / active EE | $9,958 | $4,970+100.4% | $4,579+117.5% | $6,531+52.5% |
| Admin fee / account holder | $2,216 | $8,407-73.6% | $7,858-71.8% | $14,480-84.7% |