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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 | $314,484 | $142,430+120.8% | $115,170+173.1% | $152,897+105.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 18.77% | 41.48%-22.7pp | 35.60%-16.8pp | 345.43%-326.7pp |
| Employer contribution / active EE | $0 | $4,011-100.0% | $3,179-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $8,375 | $5,165+62.2% | $4,169+100.9% | $5,851+43.1% |
| Admin fee / account holder | $6,000 | $8,464-29.1% | $7,089-15.4% | $11,599-48.3% |