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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 | $258,534 | $172,111+50.2% | $150,298+72.0% | $137,256+88.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 16.63% | 69.37%-52.7pp | 62.79%-46.2pp | 220.34%-203.7pp |
| Employer contribution / active EE | $9,672 | $4,636+108.6% | $4,154+132.8% | $4,156+132.7% |
| Participant deferral / active EE | $4,975 | $6,166-19.3% | $5,453-8.8% | $6,407-22.3% |
| Admin fee / account holder | $11,174 | $16,471-32.2% | $14,116-20.8% | $12,270-8.9% |