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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 | $270,554 | $114,237+136.8% | $119,258+126.9% | $167,536+61.5% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.7%+17.3pp | 82.1%+17.9pp |
| Annual return | 12.65% | 29.87%-17.2pp | 30.69%-18.0pp | 478.82%-466.2pp |
| Employer contribution / active EE | $36,742 | $4,481+719.9% | $4,384+738.1% | $4,839+659.3% |
| Participant deferral / active EE | $25,377 | $6,084+317.1% | $6,111+315.3% | $6,342+300.1% |
| Admin fee / account holder | $6,358 | $8,932-28.8% | $7,226-12.0% | $12,315-48.4% |