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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 | $351,149 | $178,174+97.1% | $156,181+124.8% | $137,256+155.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 16.78% | 84.19%-67.4pp | 64.87%-48.1pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,255 | $4,972-34.5% | $4,294-24.2% | $4,156-21.7% |
| Participant deferral / active EE | $10,647 | $6,888+54.6% | $6,132+73.6% | $6,407+66.2% |
| Admin fee / account holder | $53,507 | $17,404+207.4% | $14,586+266.8% | $12,270+336.1% |