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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 | $399,710 | $149,741+166.9% | $118,914+236.1% | $158,982+151.4% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 19.29% | 19.94%-0.7pp | 35.89%-16.6pp | 302.99%-283.7pp |
| Employer contribution / active EE | $17,797 | $4,119+332.1% | $3,264+445.2% | $4,763+273.7% |
| Participant deferral / active EE | $9,875 | $5,226+89.0% | $4,266+131.5% | $5,983+65.0% |
| Admin fee / account holder | $7,032 | $8,607-18.3% | $6,582+6.8% | $11,252-37.5% |