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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 | $211,288+100.8% | $178,540+137.6% | $145,884+190.8% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 21.45% | 30.27%-8.8pp | 27.15%-5.7pp | 551.85%-530.4pp |
| Employer contribution / active EE | $2,754 | $4,574-39.8% | $3,953-30.3% | $4,662-40.9% |
| Participant deferral / active EE | $19,062 | $6,967+173.6% | $6,281+203.5% | $6,690+184.9% |
| Admin fee / account holder | $99,167 | $12,105+719.2% | $10,424+851.3% | $13,392+640.5% |