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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 | $441,458 | $124,351+255.0% | $109,188+304.3% | $167,553+163.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 23.54% | 26.04%-2.5pp | 25.76%-2.2pp | 478.89%-455.4pp |
| Employer contribution / active EE | $16,826 | $4,210+299.7% | $3,723+351.9% | $4,840+247.7% |
| Participant deferral / active EE | $13,073 | $5,257+148.7% | $4,654+180.9% | $6,343+106.1% |
| Admin fee / account holder | $548 | $7,975-93.1% | $6,755-91.9% | $12,316-95.6% |