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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 | $268,712 | $227,399+18.2% | $189,758+41.6% | $198,609+35.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 13.88% | 61.03%-47.2pp | 52.62%-38.7pp | 202.70%-188.8pp |
| Employer contribution / active EE | $17,122 | $5,526+209.8% | $4,767+259.2% | $5,055+238.7% |
| Participant deferral / active EE | $9,963 | $6,837+45.7% | $5,856+70.1% | $6,977+42.8% |
| Admin fee / account holder | $13,059 | $25,162-48.1% | $20,388-35.9% | $19,030-31.4% |