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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 | $319,638 | $110,337+189.7% | $102,383+212.2% | $145,877+119.1% |
| Participation rate | 75.0% | 77.9%-2.9pp | 74.5%+0.5pp | 80.3%-5.3pp |
| Annual return | 32.42% | 24.83%+7.6pp | 24.94%+7.5pp | 551.28%-518.9pp |
| Employer contribution / active EE | $12,893 | $4,216+205.8% | $3,870+233.1% | $4,663+176.5% |
| Participant deferral / active EE | $13,135 | $5,621+133.7% | $5,060+159.6% | $6,691+96.3% |
| Admin fee / account holder | $68,864 | $9,750+606.3% | $8,391+720.7% | $13,402+413.8% |