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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 | $322,734 | $106,280+203.7% | $96,538+234.3% | $139,487+131.4% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.58% | 38.48%-19.9pp | 35.74%-17.2pp | 373.84%-355.3pp |
| Employer contribution / active EE | $32,625 | $4,107+694.4% | $3,740+772.3% | $4,755+586.2% |
| Participant deferral / active EE | $22,500 | $5,457+312.3% | $4,880+361.0% | $6,713+235.2% |
| Admin fee / account holder | $1,517 | $7,888-80.8% | $6,737-77.5% | $11,407-86.7% |