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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 | $363,458 | $227,399+59.8% | $189,758+91.5% | $198,609+83.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 16.61% | 61.03%-44.4pp | 52.62%-36.0pp | 202.70%-186.1pp |
| Employer contribution / active EE | $3,577 | $5,526-35.3% | $4,767-25.0% | $5,055-29.2% |
| Participant deferral / active EE | $12,294 | $6,837+79.8% | $5,856+109.9% | $6,977+76.2% |
| Admin fee / account holder | $4,286 | $25,162-83.0% | $20,388-79.0% | $19,030-77.5% |