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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 | $400,534 | $182,442+119.5% | $163,379+145.2% | $138,895+188.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 24.37% | 72.74%-48.4pp | 63.41%-39.0pp | 145.39%-121.0pp |
| Employer contribution / active EE | $2,641 | $4,159-36.5% | $3,752-29.6% | $4,194-37.0% |
| Participant deferral / active EE | $5,215 | $6,817-23.5% | $6,282-17.0% | $6,396-18.5% |
| Admin fee / account holder | $22,868 | $10,396+120.0% | $9,818+132.9% | $12,562+82.0% |