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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 | $259,007 | $201,372+28.6% | $184,260+40.6% | $145,884+77.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 12.88% | 29.04%-16.2pp | 28.84%-16.0pp | 551.85%-539.0pp |
| Employer contribution / active EE | $21,038 | $7,024+199.5% | $6,427+227.3% | $4,662+351.2% |
| Participant deferral / active EE | $15,142 | $9,808+54.4% | $9,133+65.8% | $6,690+126.4% |
| Admin fee / account holder | $39,080 | $16,362+138.8% | $13,898+181.2% | $13,392+191.8% |