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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 | $313,177 | $112,935+177.3% | $90,970+244.3% | $158,966+97.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 10.49% | 215.79%-205.3pp | 134.58%-124.1pp | 302.95%-292.5pp |
| Employer contribution / active EE | $9,785 | $2,895+238.0% | $2,122+361.0% | $4,762+105.5% |
| Participant deferral / active EE | $11,375 | $4,129+175.5% | $3,373+237.2% | $5,983+90.1% |
| Admin fee / account holder | $13,702 | $8,045+70.3% | $5,960+129.9% | $11,250+21.8% |