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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 | $252,765 | $112,729+124.2% | $98,716+156.1% | $137,256+84.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.84% | 38.48%-21.6pp | 31.81%-15.0pp | 220.34%-203.5pp |
| Employer contribution / active EE | $20,241 | $2,725+642.7% | $2,279+788.3% | $4,156+387.0% |
| Participant deferral / active EE | $17,443 | $4,640+275.9% | $4,048+330.9% | $6,407+172.3% |
| Admin fee / account holder | $1,531 | $10,129-84.9% | $8,703-82.4% | $12,270-87.5% |