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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 | $309,653 | $154,193+100.8% | $130,045+138.1% | $139,466+122.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 17.21% | 32.51%-15.3pp | -137.30%+154.5pp | 373.66%-356.5pp |
| Employer contribution / active EE | $5,595 | $5,292+5.7% | $4,321+29.5% | $4,754+17.7% |
| Participant deferral / active EE | $14,181 | $6,709+111.4% | $5,820+143.7% | $6,712+111.3% |
| Admin fee / account holder | $3,103 | $13,989-77.8% | $10,600-70.7% | $11,409-72.8% |