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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 | $321,946 | $110,379+191.7% | $102,412+214.4% | $145,884+120.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 11.55% | 24.84%-13.3pp | 24.94%-13.4pp | 551.85%-540.3pp |
| Employer contribution / active EE | $25,626 | $4,216+507.8% | $3,870+562.2% | $4,662+449.6% |
| Participant deferral / active EE | $12,948 | $5,622+130.3% | $5,060+155.9% | $6,690+93.5% |
| Admin fee / account holder | $18,993 | $9,745+94.9% | $8,388+126.4% | $13,392+41.8% |