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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 | $315,370 | $165,399+90.7% | $149,745+110.6% | $158,982+98.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.67% | 348.34%-330.7pp | 276.72%-259.1pp | 302.99%-285.3pp |
| Employer contribution / active EE | $3,615 | $5,105-29.2% | $4,646-22.2% | $4,763-24.1% |
| Participant deferral / active EE | $13,426 | $7,183+86.9% | $6,843+96.2% | $5,983+124.4% |
| Admin fee / account holder | $1,034 | $10,811-90.4% | $9,312-88.9% | $11,252-90.8% |