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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 | $275,240 | $100,901+172.8% | $75,501+264.6% | $147,586+86.5% |
| Participation rate | 100.0% | 77.1%+22.9pp | 72.4%+27.6pp | 82.8%+17.2pp |
| Annual return | 21.13% | 35.78%-14.7pp | 27.35%-6.2pp | 578.59%-557.5pp |
| Employer contribution / active EE | $5,612 | $3,253+72.5% | $2,352+138.6% | $4,876+15.1% |
| Participant deferral / active EE | $14,494 | $4,027+259.9% | $3,142+361.3% | $5,439+166.5% |
| Admin fee / account holder | $1,380 | $11,285-87.8% | $5,801-76.2% | $10,886-87.3% |