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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 | $604,676 | $110,410+447.7% | $102,437+490.3% | $145,897+314.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.37% | 24.85%-10.5pp | 24.95%-10.6pp | 552.29%-537.9pp |
| Employer contribution / active EE | $35,015 | $4,217+730.3% | $3,871+804.6% | $4,663+651.0% |
| Participant deferral / active EE | $22,961 | $5,622+308.4% | $5,060+353.8% | $6,689+243.3% |
| Admin fee / account holder | $3,242 | $9,745-66.7% | $8,388-61.4% | $13,390-75.8% |