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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 | $355,084 | $166,268+113.6% | $165,100+115.1% | $145,897+143.4% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 14.03% | 100.52%-86.5pp | 70.21%-56.2pp | 552.29%-538.3pp |
| Employer contribution / active EE | $36,163 | $5,284+584.4% | $4,348+731.7% | $4,663+675.6% |
| Participant deferral / active EE | $21,472 | $6,964+208.3% | $6,035+255.8% | $6,689+221.0% |
| Admin fee / account holder | $2,375 | $16,659-85.7% | $12,696-81.3% | $13,390-82.3% |