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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 | $252,181 | $106,267+137.3% | $96,520+161.3% | $139,456+80.8% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 13.00% | 38.45%-25.5pp | 35.72%-22.7pp | 373.45%-360.5pp |
| Employer contribution / active EE | $13,239 | $4,105+222.5% | $3,739+254.1% | $4,753+178.6% |
| Participant deferral / active EE | $20,625 | $5,454+278.1% | $4,879+322.8% | $6,711+207.3% |
| Admin fee / account holder | $967 | $7,882-87.7% | $6,733-85.6% | $11,407-91.5% |