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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 | $398,577 | $157,829+152.5% | $136,867+191.2% | $198,609+100.7% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 7.85% | 51.25%-43.4pp | 42.97%-35.1pp | 202.70%-194.9pp |
| Employer contribution / active EE | $12,209 | $3,923+211.2% | $3,547+244.2% | $5,055+141.5% |
| Participant deferral / active EE | $21,940 | $5,463+301.6% | $4,924+345.6% | $6,977+214.5% |
| Admin fee / account holder | $2,805 | $11,107-74.7% | $10,340-72.9% | $19,030-85.3% |