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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 | $356,346 | $127,387+179.7% | $115,038+209.8% | $125,389+184.2% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 16.34% | 31.28%-14.9pp | 26.14%-9.8pp | 282.24%-265.9pp |
| Employer contribution / active EE | $2,602 | $5,166-49.6% | $4,608-43.5% | $4,866-46.5% |
| Participant deferral / active EE | $14,337 | $6,423+123.2% | $6,026+137.9% | $5,352+167.9% |
| Admin fee / account holder | $17,028 | $9,516+78.9% | $8,175+108.3% | $9,541+78.5% |