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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 | $437,772 | $100,073+337.5% | $85,126+414.3% | $145,877+200.1% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.11% | 84.11%-68.0pp | 66.63%-50.5pp | 551.28%-535.2pp |
| Employer contribution / active EE | $6,539 | $3,236+102.1% | $2,731+139.4% | $4,663+40.2% |
| Participant deferral / active EE | $12,723 | $5,294+140.3% | $4,523+181.3% | $6,691+90.2% |
| Admin fee / account holder | $64,807 | $7,261+792.5% | $6,160+952.0% | $13,402+383.6% |