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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 | $227,291+14.3% | $214,702+21.0% | $155,188+67.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 87.5%+12.5pp | 80.8%+19.2pp |
| Annual return | 14.41% | 60.08%-45.7pp | 54.55%-40.1pp | 148.84%-134.4pp |
| Employer contribution / active EE | $12,605 | $6,772+86.1% | $6,461+95.1% | $4,248+196.7% |
| Participant deferral / active EE | $7,798 | $9,582-18.6% | $9,147-14.7% | $6,531+19.4% |
| Admin fee / account holder | $1,806 | $20,413-91.2% | $19,830-90.9% | $14,480-87.5% |