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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 | $369,286 | $217,432+69.8% | $185,849+98.7% | $167,536+120.4% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.97% | 148.42%-132.4pp | 122.10%-106.1pp | 478.82%-462.8pp |
| Employer contribution / active EE | $2,384 | $5,875-59.4% | $5,169-53.9% | $4,839-50.7% |
| Participant deferral / active EE | $12,839 | $6,357+102.0% | $5,569+130.6% | $6,342+102.4% |
| Admin fee / account holder | $458 | $19,818-97.7% | $16,244-97.2% | $12,315-96.3% |