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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 | $424,296 | $211,239+100.9% | $178,528+137.7% | $145,877+190.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 21.45% | 30.22%-8.8pp | 27.11%-5.7pp | 551.28%-529.8pp |
| Employer contribution / active EE | $2,754 | $4,570-39.7% | $3,950-30.3% | $4,663-40.9% |
| Participant deferral / active EE | $19,062 | $6,963+173.8% | $6,278+203.6% | $6,691+184.9% |
| Admin fee / account holder | $99,167 | $12,095+719.9% | $10,419+851.8% | $13,402+639.9% |