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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 | $329,788 | $154,193+113.9% | $130,045+153.6% | $139,466+136.5% |
| Participation rate | 83.3% | 82.0%+1.4pp | 78.5%+4.8pp | 80.3%+3.0pp |
| Annual return | 16.70% | 32.51%-15.8pp | -137.30%+154.0pp | 373.66%-357.0pp |
| Employer contribution / active EE | $20,026 | $5,292+278.4% | $4,321+363.4% | $4,754+321.3% |
| Participant deferral / active EE | $13,098 | $6,709+95.2% | $5,820+125.1% | $6,712+95.1% |
| Admin fee / account holder | $6,009 | $13,989-57.0% | $10,600-43.3% | $11,409-47.3% |