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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 | $319,605 | $209,425+52.6% | $178,499+79.1% | $158,966+101.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 19.91% | 188.80%-168.9pp | 151.10%-131.2pp | 302.95%-283.0pp |
| Employer contribution / active EE | $6,338 | $5,707+11.0% | $5,011+26.5% | $4,762+33.1% |
| Participant deferral / active EE | $9,875 | $5,955+65.8% | $5,202+89.8% | $5,983+65.0% |
| Admin fee / account holder | $1,684 | $17,078-90.1% | $13,986-88.0% | $11,250-85.0% |