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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 | $389,338 | $181,062+115.0% | $158,223+146.1% | $155,188+150.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 12.32% | 57.39%-45.1pp | 52.09%-39.8pp | 148.84%-136.5pp |
| Employer contribution / active EE | $14,639 | $4,565+220.7% | $4,109+256.3% | $4,248+244.6% |
| Participant deferral / active EE | $12,472 | $6,134+103.3% | $5,467+128.1% | $6,531+91.0% |
| Admin fee / account holder | $9,715 | $18,825-48.4% | $16,047-39.5% | $14,480-32.9% |