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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 | $413,524 | $228,395+81.1% | $185,861+122.5% | $158,982+160.1% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 12.45% | 40.82%-28.4pp | 35.96%-23.5pp | 302.99%-290.5pp |
| Employer contribution / active EE | $23,067 | $4,968+364.3% | $4,088+464.3% | $4,763+384.3% |
| Participant deferral / active EE | $13,600 | $6,417+111.9% | $5,634+141.4% | $5,983+127.3% |
| Admin fee / account holder | $15,206 | $11,869+28.1% | $9,503+60.0% | $11,252+35.1% |