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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 | $460,875 | $174,379+164.3% | $152,093+203.0% | $138,895+231.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 18.69% | 74.86%-56.2pp | 66.36%-47.7pp | 145.39%-126.7pp |
| Employer contribution / active EE | $29,340 | $4,652+530.7% | $4,175+602.8% | $4,194+599.5% |
| Participant deferral / active EE | $17,725 | $6,159+187.8% | $5,451+225.1% | $6,396+177.1% |
| Admin fee / account holder | $363 | $16,880-97.9% | $14,497-97.5% | $12,562-97.1% |