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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 | $287,874 | $81,331+254.0% | $155,534+85.1% | $80,935+255.7% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 11.13% | 33.37%-22.2pp | 64.92%-53.8pp | 35.66%-24.5pp |
| Employer contribution / active EE | $9,340 | $3,105+200.8% | $4,675+99.8% | $2,757+238.8% |
| Participant deferral / active EE | $8,318 | $3,454+140.8% | $5,630+47.7% | $4,299+93.5% |
| Admin fee / account holder | $28,845 | $7,999+260.6% | $15,900+81.4% | $6,924+316.6% |