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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 | $437,944 | $166,242+163.4% | $165,071+165.3% | $145,884+200.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 13.56% | 100.44%-86.9pp | 70.17%-56.6pp | 551.85%-538.3pp |
| Employer contribution / active EE | $2,852 | $5,283-46.0% | $4,347-34.4% | $4,662-38.8% |
| Participant deferral / active EE | $12,219 | $6,964+75.5% | $6,035+102.5% | $6,690+82.7% |
| Admin fee / account holder | $13,247 | $16,658-20.5% | $12,695+4.3% | $13,392-1.1% |