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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 | $389,182 | $176,838+120.1% | $146,685+165.3% | $167,518+132.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 18.12% | 24.04%-5.9pp | 22.75%-4.6pp | 478.71%-460.6pp |
| Employer contribution / active EE | $10,482 | $5,161+103.1% | $4,137+153.4% | $4,838+116.6% |
| Participant deferral / active EE | $11,927 | $6,441+85.2% | $5,507+116.6% | $6,342+88.1% |
| Admin fee / account holder | $2,045 | $13,262-84.6% | $10,281-80.1% | $12,312-83.4% |