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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 | $359,470 | $176,794+103.3% | $146,647+145.1% | $167,553+114.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 14.75% | 24.04%-9.3pp | 22.75%-8.0pp | 478.89%-464.1pp |
| Employer contribution / active EE | $2,483 | $5,161-51.9% | $4,137-40.0% | $4,840-48.7% |
| Participant deferral / active EE | $8,648 | $6,440+34.3% | $5,506+57.1% | $6,343+36.4% |
| Admin fee / account holder | $16,672 | $13,262+25.7% | $10,281+62.2% | $12,316+35.4% |