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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 | $253,807 | $114,013+122.6% | $103,693+144.8% | $155,188+63.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 14.93% | 49.31%-34.4pp | 47.61%-32.7pp | 148.84%-133.9pp |
| Employer contribution / active EE | $18,890 | $3,131+503.3% | $2,920+546.8% | $4,248+344.7% |
| Participant deferral / active EE | $16,477 | $4,970+231.5% | $4,579+259.8% | $6,531+152.3% |
| Admin fee / account holder | $1,444 | $8,407-82.8% | $7,858-81.6% | $14,480-90.0% |