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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 | $275,154 | $148,629+85.1% | $135,982+102.3% | $139,487+97.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 22.05% | 79.33%-57.3pp | 68.32%-46.3pp | 373.84%-351.8pp |
| Employer contribution / active EE | $5,386 | $5,247+2.7% | $4,859+10.8% | $4,755+13.3% |
| Participant deferral / active EE | $26,076 | $8,102+221.8% | $7,760+236.0% | $6,713+288.5% |
| Admin fee / account holder | $6,095 | $12,406-50.9% | $10,767-43.4% | $11,407-46.6% |