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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 | $366,274 | $102,663+256.8% | $86,216+324.8% | $139,466+162.6% |
| Participation rate | 80.0% | 74.5%+5.5pp | 69.0%+11.0pp | 80.3%-0.3pp |
| Annual return | 18.24% | 1924.52%-1906.3pp | 1169.42%-1151.2pp | 373.66%-355.4pp |
| Employer contribution / active EE | $2,176 | $3,035-28.3% | $2,382-8.6% | $4,754-54.2% |
| Participant deferral / active EE | $2,719 | $4,677-41.9% | $3,986-31.8% | $6,712-59.5% |
| Admin fee / account holder | $57,453 | $8,663+563.2% | $6,853+738.3% | $11,409+403.6% |