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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 | $289,362 | $156,398+85.0% | $147,318+96.4% | $138,895+108.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 14.69% | 78.75%-64.1pp | 70.43%-55.7pp | 145.39%-130.7pp |
| Employer contribution / active EE | $14,606 | $4,853+200.9% | $4,593+218.0% | $4,194+248.2% |
| Participant deferral / active EE | $17,906 | $8,237+117.4% | $7,906+126.5% | $6,396+179.9% |
| Admin fee / account holder | $1,286 | $14,976-91.4% | $13,708-90.6% | $12,562-89.8% |