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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 | $389,694 | $97,125+301.2% | $86,233+351.9% | $137,256+183.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 17.42% | 74.19%-56.8pp | 61.39%-44.0pp | 220.34%-202.9pp |
| Employer contribution / active EE | $16,404 | $2,841+477.3% | $2,504+555.0% | $4,156+294.7% |
| Participant deferral / active EE | $10,751 | $5,180+107.6% | $4,559+135.8% | $6,407+67.8% |
| Admin fee / account holder | $1,354 | $9,725-86.1% | $8,342-83.8% | $12,270-89.0% |