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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 | $524,543 | $176,794+196.7% | $146,647+257.7% | $167,553+213.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 12.09% | 24.04%-11.9pp | 22.75%-10.7pp | 478.89%-466.8pp |
| Employer contribution / active EE | $15,151 | $5,161+193.6% | $4,137+266.2% | $4,840+213.1% |
| Participant deferral / active EE | $3,092 | $6,440-52.0% | $5,506-43.8% | $6,343-51.2% |
| Admin fee / account holder | $17,909 | $13,262+35.0% | $10,281+74.2% | $12,316+45.4% |