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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 | $354,213 | $138,312+156.1% | $122,979+188.0% | $155,188+128.2% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 14.58% | 22.06%-7.5pp | 20.12%-5.5pp | 148.84%-134.3pp |
| Employer contribution / active EE | $28,000 | $3,530+693.1% | $3,062+814.3% | $4,248+559.2% |
| Participant deferral / active EE | $4,497 | $5,592-19.6% | $5,003-10.1% | $6,531-31.1% |
| Admin fee / account holder | $1,825 | $15,089-87.9% | $12,864-85.8% | $14,480-87.4% |