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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 | $302,464 | $209,425+44.4% | $178,499+69.4% | $158,966+90.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 9.77% | 188.80%-179.0pp | 151.10%-141.3pp | 302.95%-293.2pp |
| Employer contribution / active EE | $16,619 | $5,707+191.2% | $5,011+231.6% | $4,762+249.0% |
| Participant deferral / active EE | $10,164 | $5,955+70.7% | $5,202+95.4% | $5,983+69.9% |
| Admin fee / account holder | $1,649 | $17,078-90.3% | $13,986-88.2% | $11,250-85.3% |