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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 | $275,570 | $217,392+26.8% | $185,818+48.3% | $167,497+64.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.86% | 148.37%-136.5pp | 122.06%-110.2pp | 478.62%-466.8pp |
| Employer contribution / active EE | $1,812 | $5,873-69.1% | $5,168-64.9% | $4,838-62.5% |
| Participant deferral / active EE | $3,860 | $6,357-39.3% | $5,568-30.7% | $6,341-39.1% |
| Admin fee / account holder | $3,899 | $19,813-80.3% | $16,239-76.0% | $12,310-68.3% |