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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 | $354,490 | $156,398+126.7% | $147,318+140.6% | $138,895+155.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 16.37% | 78.75%-62.4pp | 70.43%-54.1pp | 145.39%-129.0pp |
| Employer contribution / active EE | $5,132 | $4,853+5.7% | $4,593+11.7% | $4,194+22.4% |
| Participant deferral / active EE | $7,440 | $8,237-9.7% | $7,906-5.9% | $6,396+16.3% |
| Admin fee / account holder | $27,804 | $14,976+85.7% | $13,708+102.8% | $12,562+121.3% |