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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 | $306,380 | $148,629+106.1% | $135,982+125.3% | $139,487+119.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.19% | 79.33%-62.1pp | 68.32%-51.1pp | 373.84%-356.7pp |
| Employer contribution / active EE | $10,022 | $5,247+91.0% | $4,859+106.2% | $4,755+110.8% |
| Participant deferral / active EE | $12,741 | $8,102+57.2% | $7,760+64.2% | $6,713+89.8% |
| Admin fee / account holder | $659 | $12,406-94.7% | $10,767-93.9% | $11,407-94.2% |