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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 | $227,291+36.8% | $214,702+44.8% | $155,188+100.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 87.5%+12.5pp | 80.8%+19.2pp |
| Annual return | 13.43% | 60.08%-46.6pp | 54.55%-41.1pp | 148.84%-135.4pp |
| Employer contribution / active EE | $13,458 | $6,772+98.7% | $6,461+108.3% | $4,248+216.8% |
| Participant deferral / active EE | $12,768 | $9,582+33.2% | $9,147+39.6% | $6,531+95.5% |
| Admin fee / account holder | $1,960 | $20,413-90.4% | $19,830-90.1% | $14,480-86.5% |