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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 | $340,144 | $110,379+208.2% | $102,412+232.1% | $145,884+133.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 23.20% | 24.84%-1.6pp | 24.94%-1.7pp | 551.85%-528.7pp |
| Employer contribution / active EE | $12,708 | $4,216+201.4% | $3,870+228.4% | $4,662+172.6% |
| Participant deferral / active EE | $9,830 | $5,622+74.9% | $5,060+94.3% | $6,690+46.9% |
| Admin fee / account holder | $322 | $9,745-96.7% | $8,388-96.2% | $13,392-97.6% |