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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 | $370,490 | $157,276+135.6% | $141,177+162.4% | $152,885+142.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.92% | 64.33%-43.4pp | 71.40%-50.5pp | 345.39%-324.5pp |
| Employer contribution / active EE | $5,881 | $5,262+11.8% | $4,736+24.2% | $4,763+23.5% |
| Participant deferral / active EE | $12,305 | $7,110+73.0% | $6,710+83.4% | $5,851+110.3% |
| Admin fee / account holder | $494 | $12,123-95.9% | $10,263-95.2% | $11,598-95.7% |