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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 | $268,128 | $174,379+53.8% | $152,093+76.3% | $138,895+93.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 18.01% | 74.86%-56.8pp | 66.36%-48.3pp | 145.39%-127.4pp |
| Employer contribution / active EE | $20,542 | $4,652+341.6% | $4,175+392.1% | $4,194+389.8% |
| Participant deferral / active EE | $26,000 | $6,159+322.1% | $5,451+376.9% | $6,396+306.5% |
| Admin fee / account holder | $7,993 | $16,880-52.6% | $14,497-44.9% | $12,562-36.4% |