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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 | $259,392 | $98,240+164.0% | $82,312+215.1% | $147,586+75.8% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 22.22% | 30.85%-8.6pp | 25.88%-3.7pp | 578.59%-556.4pp |
| Employer contribution / active EE | $1,694 | $3,192-46.9% | $2,428-30.2% | $4,876-65.3% |
| Participant deferral / active EE | $13,929 | $4,383+217.8% | $3,706+275.8% | $5,439+156.1% |
| Admin fee / account holder | $9,234 | $8,563+7.8% | $5,608+64.7% | $10,886-15.2% |