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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 | $376,357 | $217,432+73.1% | $185,851+102.5% | $167,553+124.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 26.72% | 148.43%-121.7pp | 122.11%-95.4pp | 478.89%-452.2pp |
| Employer contribution / active EE | $2,699 | $5,874-54.1% | $5,168-47.8% | $4,840-44.2% |
| Participant deferral / active EE | $7,612 | $6,357+19.7% | $5,569+36.7% | $6,343+20.0% |
| Admin fee / account holder | $2,408 | $19,820-87.8% | $16,245-85.2% | $12,316-80.4% |