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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 | $317,181 | $157,829+101.0% | $136,867+131.7% | $198,609+59.7% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 57.78% | 51.25%+6.5pp | 42.97%+14.8pp | 202.70%-144.9pp |
| Employer contribution / active EE | $1,095 | $3,923-72.1% | $3,547-69.1% | $5,055-78.3% |
| Participant deferral / active EE | $26,625 | $5,463+387.4% | $4,924+440.8% | $6,977+281.6% |
| Admin fee / account holder | $888 | $11,107-92.0% | $10,340-91.4% | $19,030-95.3% |