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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 | $284,567 | $94,439+201.3% | $73,658+286.3% | $154,746+83.9% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 24.47% | 28.25%-3.8pp | 29.72%-5.3pp | 172.34%-147.9pp |
| Employer contribution / active EE | $10,235 | $1,257+714.1% | $1,032+891.5% | $4,379+133.7% |
| Participant deferral / active EE | $14,715 | $2,527+482.3% | $2,062+613.7% | $6,730+118.6% |
| Admin fee / account holder | $6,488 | $3,843+68.8% | $3,357+93.3% | $14,365-54.8% |