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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 | $349,680 | $182,442+91.7% | $163,379+114.0% | $138,895+151.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 12.72% | 72.74%-60.0pp | 63.41%-50.7pp | 145.39%-132.7pp |
| Employer contribution / active EE | $17,241 | $4,159+314.5% | $3,752+359.5% | $4,194+311.1% |
| Participant deferral / active EE | $21,400 | $6,817+213.9% | $6,282+240.7% | $6,396+234.6% |
| Admin fee / account holder | $1,669 | $10,396-83.9% | $9,818-83.0% | $12,562-86.7% |