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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 | $257,155 | $202,342+27.1% | $172,752+48.9% | $152,897+68.2% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 18.91% | 1029.83%-1010.9pp | 802.97%-784.1pp | 345.43%-326.5pp |
| Employer contribution / active EE | $6,924 | $5,858+18.2% | $5,144+34.6% | $4,764+45.4% |
| Participant deferral / active EE | $7,000 | $5,948+17.7% | $5,198+34.7% | $5,851+19.6% |
| Admin fee / account holder | $1,069 | $17,111-93.8% | $13,955-92.3% | $11,599-90.8% |