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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 | $324,174 | $111,814+189.9% | $103,378+213.6% | $145,978+122.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.96% | 24.80%-10.8pp | 24.91%-11.0pp | 550.52%-536.6pp |
| Employer contribution / active EE | $13,289 | $4,215+215.3% | $3,870+243.3% | $4,662+185.1% |
| Participant deferral / active EE | $17,683 | $5,618+214.8% | $5,058+249.6% | $6,690+164.3% |
| Admin fee / account holder | $3,380 | $9,764-65.4% | $8,401-59.8% | $13,400-74.8% |