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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 | $635,375 | $116,203+446.8% | $93,621+578.7% | $152,909+315.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 17.39% | 35.96%-18.6pp | 32.76%-15.4pp | 345.46%-328.1pp |
| Employer contribution / active EE | $25,097 | $3,219+679.6% | $2,719+823.1% | $4,764+426.8% |
| Participant deferral / active EE | $17,384 | $4,605+277.5% | $4,070+327.2% | $5,851+197.1% |
| Admin fee / account holder | $2,795 | $10,751-74.0% | $7,890-64.6% | $11,601-75.9% |