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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 | $370,366 | $134,817+174.7% | $123,973+198.7% | $155,188+138.7% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.7%+3.3pp | 80.8%-0.8pp |
| Annual return | 15.02% | 515.49%-500.5pp | 388.13%-373.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $12,091 | $4,425+173.2% | $4,126+193.1% | $4,248+184.6% |
| Participant deferral / active EE | $16,769 | $5,706+193.9% | $5,247+219.6% | $6,531+156.8% |
| Admin fee / account holder | $1,430 | $13,245-89.2% | $11,799-87.9% | $14,480-90.1% |