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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 | $475,160 | $232,540+104.3% | $185,117+156.7% | $147,585+222.0% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 12.43% | 43.03%-30.6pp | 40.50%-28.1pp | 578.58%-566.2pp |
| Employer contribution / active EE | $10,262 | $5,195+97.5% | $4,182+145.4% | $4,876+110.4% |
| Participant deferral / active EE | $9,077 | $5,834+55.6% | $5,045+79.9% | $5,439+66.9% |
| Admin fee / account holder | $14,917 | $10,275+45.2% | $8,159+82.8% | $10,886+37.0% |