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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 | $387,006 | $165,399+134.0% | $149,745+158.4% | $158,982+143.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.11% | 348.34%-337.2pp | 276.72%-265.6pp | 302.99%-291.9pp |
| Employer contribution / active EE | $14,721 | $5,105+188.4% | $4,646+216.9% | $4,763+209.1% |
| Participant deferral / active EE | $15,076 | $7,183+109.9% | $6,843+120.3% | $5,983+152.0% |
| Admin fee / account holder | $3,065 | $10,811-71.7% | $9,312-67.1% | $11,252-72.8% |