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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 | $258,428 | $183,592+40.8% | $155,574+66.1% | $145,877+77.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.42% | 61.37%-48.0pp | 64.87%-51.5pp | 551.28%-537.9pp |
| Employer contribution / active EE | $7,800 | $5,317+46.7% | $4,676+66.8% | $4,663+67.3% |
| Participant deferral / active EE | $4,695 | $6,466-27.4% | $5,629-16.6% | $6,691-29.8% |
| Admin fee / account holder | $2,101 | $19,316-89.1% | $15,914-86.8% | $13,402-84.3% |