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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 | $306,506 | $129,737+136.3% | $119,126+157.3% | $154,746+98.1% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 14.77% | 379.08%-364.3pp | 282.11%-267.3pp | 172.34%-157.6pp |
| Employer contribution / active EE | $17,622 | $4,375+302.8% | $4,034+336.9% | $4,379+302.4% |
| Participant deferral / active EE | $16,356 | $5,842+180.0% | $5,318+207.6% | $6,730+143.0% |
| Admin fee / account holder | $7,501 | $11,961-37.3% | $10,693-29.9% | $14,365-47.8% |