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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 | $460,902 | $201,344+128.9% | $184,243+150.2% | $145,877+216.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.05% | 29.01%-11.0pp | 28.82%-10.8pp | 551.28%-533.2pp |
| Employer contribution / active EE | $13,548 | $7,022+92.9% | $6,427+110.8% | $4,663+190.5% |
| Participant deferral / active EE | $13,756 | $9,807+40.3% | $9,132+50.6% | $6,691+105.6% |
| Admin fee / account holder | $2,957 | $16,382-81.9% | $13,914-78.7% | $13,402-77.9% |