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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 | $426,043 | $111,535+282.0% | $105,223+304.9% | $137,256+210.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.12% | 237.85%-222.7pp | 180.65%-165.5pp | 220.34%-205.2pp |
| Employer contribution / active EE | $32,938 | $3,939+736.1% | $3,689+793.0% | $4,156+692.5% |
| Participant deferral / active EE | $10,516 | $5,500+91.2% | $5,072+107.3% | $6,407+64.1% |
| Admin fee / account holder | $1,448 | $9,721-85.1% | $8,859-83.7% | $12,270-88.2% |