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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 | $330,968 | $176,402+87.6% | $134,162+146.7% | $158,982+108.2% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 16.93% | 63.66%-46.7pp | 36.35%-19.4pp | 302.99%-286.1pp |
| Employer contribution / active EE | $17,333 | $5,042+243.8% | $3,705+367.8% | $4,763+263.9% |
| Participant deferral / active EE | $8,667 | $4,093+111.8% | $3,500+147.6% | $5,983+44.8% |
| Admin fee / account holder | $1,886 | $8,719-78.4% | $6,685-71.8% | $11,252-83.2% |