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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 | $284,783 | $217,432+31.0% | $185,849+53.2% | $167,536+70.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.25% | 148.42%-133.2pp | 122.10%-106.8pp | 478.82%-463.6pp |
| Employer contribution / active EE | $24,592 | $5,875+318.6% | $5,169+375.8% | $4,839+408.2% |
| Participant deferral / active EE | $15,787 | $6,357+148.3% | $5,569+183.5% | $6,342+148.9% |
| Admin fee / account holder | $311 | $19,818-98.4% | $16,244-98.1% | $12,315-97.5% |