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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 | $253,100 | $113,941+122.1% | $94,229+168.6% | $125,389+101.9% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | 2.36% | 5.29%-2.9pp | 10.68%-8.3pp | 282.24%-279.9pp |
| Employer contribution / active EE | $11,104 | $4,727+134.9% | $3,587+209.6% | $4,866+128.2% |
| Participant deferral / active EE | $9,236 | $5,179+78.3% | $4,320+113.8% | $5,352+72.6% |
| Admin fee / account holder | $16,458 | $8,392+96.1% | $6,269+162.5% | $9,541+72.5% |