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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 | $435,137 | $87,166+399.2% | $76,735+467.1% | $137,256+217.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 13.88% | 26.50%-12.6pp | 29.77%-15.9pp | 220.34%-206.5pp |
| Employer contribution / active EE | $36,514 | $2,904+1157.2% | $2,454+1387.8% | $4,156+778.6% |
| Participant deferral / active EE | $18,300 | $4,726+287.2% | $4,088+347.7% | $6,407+185.6% |
| Admin fee / account holder | $4,705 | $8,403-44.0% | $7,189-34.6% | $12,270-61.7% |