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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 | $272,327 | $209,422+30.0% | $178,503+52.6% | $158,982+71.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 9.70% | 188.81%-179.1pp | 151.12%-141.4pp | 302.99%-293.3pp |
| Employer contribution / active EE | $12,956 | $5,707+127.0% | $5,011+158.5% | $4,763+172.0% |
| Participant deferral / active EE | $13,480 | $5,955+126.4% | $5,202+159.1% | $5,983+125.3% |
| Admin fee / account holder | $3,082 | $17,079-82.0% | $13,987-78.0% | $11,252-72.6% |