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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 | $488,159 | $124,425+292.3% | $112,040+335.7% | $137,256+255.7% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 15.73% | 24.72%-9.0pp | 24.52%-8.8pp | 220.34%-204.6pp |
| Employer contribution / active EE | $29,278 | $3,411+758.2% | $2,954+891.1% | $4,156+604.5% |
| Participant deferral / active EE | $15,500 | $5,718+171.1% | $5,098+204.1% | $6,407+141.9% |
| Admin fee / account holder | $3,345 | $15,207-78.0% | $12,098-72.4% | $12,270-72.7% |