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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 | $362,542 | $155,555+133.1% | $146,866+146.9% | $155,188+133.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.89% | 115.41%-101.5pp | 102.85%-89.0pp | 148.84%-134.9pp |
| Employer contribution / active EE | $24,868 | $4,647+435.2% | $4,425+462.0% | $4,248+485.4% |
| Participant deferral / active EE | $26,288 | $8,044+226.8% | $7,759+238.8% | $6,531+302.5% |
| Admin fee / account holder | $64,705 | $14,755+338.5% | $13,620+375.1% | $14,480+346.9% |