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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 | $483,585 | $181,062+167.1% | $158,223+205.6% | $155,188+211.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 17.82% | 57.39%-39.6pp | 52.09%-34.3pp | 148.84%-131.0pp |
| Employer contribution / active EE | $13,809 | $4,565+202.5% | $4,109+236.1% | $4,248+225.1% |
| Participant deferral / active EE | $7,291 | $6,134+18.9% | $5,467+33.4% | $6,531+11.6% |
| Admin fee / account holder | $10,428 | $18,825-44.6% | $16,047-35.0% | $14,480-28.0% |