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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 | $293,675 | $112,729+160.5% | $98,716+197.5% | $137,256+114.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.54% | 38.48%-21.9pp | 31.81%-15.3pp | 220.34%-203.8pp |
| Employer contribution / active EE | $17,500 | $2,725+542.1% | $2,279+668.0% | $4,156+321.1% |
| Participant deferral / active EE | $10,440 | $4,640+125.0% | $4,048+157.9% | $6,407+63.0% |
| Admin fee / account holder | $12,879 | $10,129+27.2% | $8,703+48.0% | $12,270+5.0% |