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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 | $401,516 | $70,366+470.6% | $66,674+502.2% | $138,895+189.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 14.33% | 386.41%-372.1pp | 321.24%-306.9pp | 145.39%-131.1pp |
| Employer contribution / active EE | $2,268 | $2,765-18.0% | $2,620-13.4% | $4,194-45.9% |
| Participant deferral / active EE | $13,303 | $4,374+204.1% | $4,084+225.7% | $6,396+108.0% |
| Admin fee / account holder | $9,790 | $5,262+86.0% | $5,098+92.0% | $12,562-22.1% |