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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 | $486,853 | $209,336+132.6% | $197,124+147.0% | $137,256+254.7% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 12.80% | 48.09%-35.3pp | 44.34%-31.5pp | 220.34%-207.5pp |
| Employer contribution / active EE | $9,036 | $6,591+37.1% | $6,227+45.1% | $4,156+117.4% |
| Participant deferral / active EE | $11,067 | $9,614+15.1% | $9,135+21.2% | $6,407+72.7% |
| Admin fee / account holder | $34,243 | $17,308+97.9% | $16,298+110.1% | $12,270+179.1% |