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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 | $376,117 | $111,535+237.2% | $105,223+257.4% | $137,256+174.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.92% | 237.85%-218.9pp | 180.65%-161.7pp | 220.34%-201.4pp |
| Employer contribution / active EE | $22,219 | $3,939+464.0% | $3,689+502.4% | $4,156+434.6% |
| Participant deferral / active EE | $11,543 | $5,500+109.9% | $5,072+127.6% | $6,407+80.2% |
| Admin fee / account holder | $1,513 | $9,721-84.4% | $8,859-82.9% | $12,270-87.7% |