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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 | $374,433 | $154,228+142.8% | $145,433+157.5% | $137,256+172.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 19.56% | 74.59%-55.0pp | 66.58%-47.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $20,092 | $4,804+318.2% | $4,554+341.2% | $4,156+383.5% |
| Participant deferral / active EE | $10,880 | $8,216+32.4% | $7,897+37.8% | $6,407+69.8% |
| Admin fee / account holder | $9,446 | $14,344-34.1% | $13,129-28.1% | $12,270-23.0% |