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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 | $310,950 | $223,823+38.9% | $211,142+47.3% | $154,746+100.9% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 13.43% | 50.39%-37.0pp | 46.84%-33.4pp | 172.34%-158.9pp |
| Employer contribution / active EE | $13,458 | $6,787+98.3% | $6,442+108.9% | $4,379+207.3% |
| Participant deferral / active EE | $12,768 | $9,750+30.9% | $9,284+37.5% | $6,730+89.7% |
| Admin fee / account holder | $1,960 | $19,707-90.1% | $19,076-89.7% | $14,365-86.4% |