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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 | $313,186 | $209,336+49.6% | $197,124+58.9% | $137,256+128.2% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 13.72% | 48.09%-34.4pp | 44.34%-30.6pp | 220.34%-206.6pp |
| Employer contribution / active EE | $14,485 | $6,591+119.8% | $6,227+132.6% | $4,156+248.5% |
| Participant deferral / active EE | $20,667 | $9,614+115.0% | $9,135+126.2% | $6,407+222.6% |
| Admin fee / account holder | $1,541 | $17,308-91.1% | $16,298-90.5% | $12,270-87.4% |