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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 | $296,938 | $227,399+30.6% | $189,758+56.5% | $198,609+49.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 12.27% | 61.03%-48.8pp | 52.62%-40.3pp | 202.70%-190.4pp |
| Employer contribution / active EE | $18,355 | $5,526+232.2% | $4,767+285.1% | $5,055+263.1% |
| Participant deferral / active EE | $15,567 | $6,837+127.7% | $5,856+165.8% | $6,977+123.1% |
| Admin fee / account holder | $480,134 | $25,162+1808.1% | $20,388+2255.0% | $19,030+2423.0% |