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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 | $301,690 | $107,368+181.0% | $92,915+224.7% | $152,909+97.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 17.30% | 145.64%-128.3pp | 109.45%-92.2pp | 345.46%-328.2pp |
| Employer contribution / active EE | $16,907 | $4,222+300.4% | $3,653+362.8% | $4,764+254.9% |
| Participant deferral / active EE | $8,817 | $4,848+81.9% | $4,238+108.0% | $5,851+50.7% |
| Admin fee / account holder | $7,551 | $7,082+6.6% | $5,796+30.3% | $11,601-34.9% |