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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 | $344,267 | $117,895+192.0% | $102,460+236.0% | $145,897+136.0% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.39% | 31.92%-17.5pp | 29.47%-15.1pp | 552.29%-537.9pp |
| Employer contribution / active EE | $18,875 | $3,619+421.6% | $3,025+523.9% | $4,663+304.8% |
| Participant deferral / active EE | $11,952 | $5,736+108.4% | $5,056+136.4% | $6,689+78.7% |
| Admin fee / account holder | $3,773 | $13,353-71.7% | $9,460-60.1% | $13,390-71.8% |