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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 | $284,624 | $156,398+82.0% | $147,318+93.2% | $138,895+104.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.28% | 78.75%-65.5pp | 70.43%-57.2pp | 145.39%-132.1pp |
| Employer contribution / active EE | $13,980 | $4,853+188.1% | $4,593+204.4% | $4,194+233.3% |
| Participant deferral / active EE | $12,400 | $8,237+50.5% | $7,906+56.8% | $6,396+93.9% |
| Admin fee / account holder | $699 | $14,976-95.3% | $13,708-94.9% | $12,562-94.4% |