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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 | $455,663 | $176,786+157.7% | $146,643+210.7% | $167,536+172.0% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.05% | 24.04%-11.0pp | 22.75%-9.7pp | 478.82%-465.8pp |
| Employer contribution / active EE | $33,580 | $5,161+550.6% | $4,137+711.7% | $4,839+593.9% |
| Participant deferral / active EE | $12,635 | $6,440+96.2% | $5,506+129.5% | $6,342+99.2% |
| Admin fee / account holder | $11,561 | $13,262-12.8% | $10,280+12.5% | $12,315-6.1% |