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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 | $357,856 | $110,337+224.3% | $102,383+249.5% | $145,877+145.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 15.72% | 24.83%-9.1pp | 24.94%-9.2pp | 551.28%-535.6pp |
| Employer contribution / active EE | $7,334 | $4,216+74.0% | $3,870+89.5% | $4,663+57.3% |
| Participant deferral / active EE | $23,093 | $5,621+310.9% | $5,060+356.4% | $6,691+245.2% |
| Admin fee / account holder | $1,483 | $9,750-84.8% | $8,391-82.3% | $13,402-88.9% |