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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 | $366,250 | $185,312+97.6% | $161,489+126.8% | $154,746+136.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.91% | 103.84%-87.9pp | 89.72%-73.8pp | 172.34%-156.4pp |
| Employer contribution / active EE | $17,551 | $4,769+268.0% | $4,268+311.2% | $4,379+300.8% |
| Participant deferral / active EE | $15,823 | $6,350+149.2% | $5,630+181.1% | $6,730+135.1% |
| Admin fee / account holder | $2,895 | $18,654-84.5% | $16,006-81.9% | $14,365-79.8% |