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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 | $69,118+311.7% | $53,647+430.4% | $138,895+104.9% |
| Participation rate | 100.0% | 64.0%+36.0pp | 56.3%+43.7pp | 79.9%+20.1pp |
| Annual return | 24.47% | 248.26%-223.8pp | 358.33%-333.9pp | 145.39%-120.9pp |
| Employer contribution / active EE | $10,235 | $1,189+760.5% | $962+963.9% | $4,194+144.0% |
| Participant deferral / active EE | $14,715 | $2,274+547.1% | $1,813+711.6% | $6,396+130.1% |
| Admin fee / account holder | $6,488 | $2,724+138.2% | $2,460+163.7% | $12,562-48.4% |