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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 | $259,772 | $212,386+22.3% | $199,883+30.0% | $138,895+87.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 14.41% | 47.75%-33.3pp | 43.81%-29.4pp | 145.39%-131.0pp |
| Employer contribution / active EE | $12,605 | $6,625+90.3% | $6,261+101.3% | $4,194+200.5% |
| Participant deferral / active EE | $7,798 | $9,617-18.9% | $9,138-14.7% | $6,396+21.9% |
| Admin fee / account holder | $1,806 | $18,233-90.1% | $17,268-89.5% | $12,562-85.6% |