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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 | $313,433 | $105,856+196.1% | $90,161+247.6% | $147,586+112.4% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 26.91% | 37.63%-10.7pp | 34.89%-8.0pp | 578.59%-551.7pp |
| Employer contribution / active EE | $16,401 | $4,126+297.4% | $3,318+394.3% | $4,876+236.3% |
| Participant deferral / active EE | $12,900 | $5,733+125.0% | $5,287+144.0% | $5,439+137.2% |
| Admin fee / account holder | $3,342 | $8,046-58.5% | $5,943-43.8% | $10,886-69.3% |