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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 | $535,588 | $201,370+166.0% | $184,256+190.7% | $145,897+267.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 10.42% | 29.05%-18.6pp | 28.85%-18.4pp | 552.29%-541.9pp |
| Employer contribution / active EE | $43,500 | $7,024+519.3% | $6,427+576.8% | $4,663+833.0% |
| Participant deferral / active EE | $30,500 | $9,808+211.0% | $9,133+233.9% | $6,689+356.0% |
| Admin fee / account holder | $2,203 | $16,364-86.5% | $13,899-84.2% | $13,390-83.6% |