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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 | $290,682 | $211,239+37.6% | $178,528+62.8% | $145,877+99.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.22% | 30.22%-18.0pp | 27.11%-14.9pp | 551.28%-539.1pp |
| Employer contribution / active EE | $16,367 | $4,570+258.1% | $3,950+314.3% | $4,663+251.0% |
| Participant deferral / active EE | $9,470 | $6,963+36.0% | $6,278+50.8% | $6,691+41.5% |
| Admin fee / account holder | $64,985 | $12,095+437.3% | $10,419+523.7% | $13,402+384.9% |