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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 | $365,870 | $148,629+146.2% | $135,982+169.1% | $139,487+162.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.48% | 79.33%-66.8pp | 68.32%-55.8pp | 373.84%-361.4pp |
| Employer contribution / active EE | $3,323 | $5,247-36.7% | $4,859-31.6% | $4,755-30.1% |
| Participant deferral / active EE | $10,155 | $8,102+25.3% | $7,760+30.9% | $6,713+51.3% |
| Admin fee / account holder | $1,653 | $12,406-86.7% | $10,767-84.6% | $11,407-85.5% |