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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 | $398,107 | $185,312+114.8% | $161,489+146.5% | $154,746+157.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 18.60% | 103.84%-85.2pp | 89.72%-71.1pp | 172.34%-153.7pp |
| Employer contribution / active EE | $6,552 | $4,769+37.4% | $4,268+53.5% | $4,379+49.6% |
| Participant deferral / active EE | $14,206 | $6,350+123.7% | $5,630+152.3% | $6,730+111.1% |
| Admin fee / account holder | $8,619 | $18,654-53.8% | $16,006-46.1% | $14,365-40.0% |