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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 | $281,598 | $201,344+39.9% | $184,243+52.8% | $145,877+93.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 19.65% | 29.01%-9.4pp | 28.82%-9.2pp | 551.28%-531.6pp |
| Employer contribution / active EE | $18,098 | $7,022+157.7% | $6,427+181.6% | $4,663+288.1% |
| Participant deferral / active EE | $13,294 | $9,807+35.6% | $9,132+45.6% | $6,691+98.7% |
| Admin fee / account holder | $2,237 | $16,382-86.3% | $13,914-83.9% | $13,402-83.3% |